This property has a documented history as a landfill predating 1986. Historical insurance policies issued during those prior operations and through 1986 could help fund the multi-phase investigation and remediation work ahead under Wisconsin DNR oversight.

Why Historical Insurance Policies May Be Accessible

Pre-1986 Commercial General Liability (CGL) policies were occurrence-based and did not contain an effective pollution exclusion in Wisconsin — and those policies may provide coverage that remains enforceable today. If contamination occurred while those policies were active, those historical insurance carriers may still have a legal obligation to fund the cleanup costs, even if the business closed or the property changed hands.

Unlicensed waste disposal operations at this property — including the deposit of foundry sand, industrial oil, and PCB-containing materials that testing confirms predate 1979 — were conducted by businesses operating well before 1986. The site investigation, remediation of petroleum hydrocarbons, volatile organic compounds, polycyclic aromatic hydrocarbons, heavy metals, and PCBs in soil and groundwater, and long-term groundwater monitoring required by the Wisconsin DNR Environmental Remediation Program across 14 feet of contaminated fill represent substantial future costs that historical pre-1986 carriers may be obligated to fund.

Restorical's role is to locate viable historical policies, determine whether a successful coverage claim is possible, and assist our clients and their legal counsel to obtain insurance coverage. Restorical then manages the claim, including accounting, to ensure the cleanup is funded in a timely manner.