This property has a documented history as a landfill going back to 1930. 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.

Landfilling operations at this property accepted household and industrial waste — including materials containing chlorinated solvents such as trichloroethylene — from the 1930s or earlier through subsequent decades, all well before 1986. The ongoing site investigation under Wisconsin DNR Environmental Remediation Program oversight, groundwater remediation needed to address vinyl chloride, benzene, naphthalene, arsenic, and barium exceedances of NR 140 standards across multiple monitoring wells, and vapor intrusion assessment extending to adjacent properties represent substantial future costs that Commercial General Liability carriers insuring the businesses that operated here before 1986 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.