This property has a documented history as a gasoline service station 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.

The contamination at this property has been characterized by the Wisconsin DNR as historic, resulting from long-term fueling, vehicle service, and underground storage tank operations conducted at this location before 1986. The ongoing and future groundwater investigation, monitoring, and remediation work required to resolve exceedances of multiple NR 140 enforcement standards and preventive action limits — including benzene, total xylenes, trimethylbenzenes, naphthalene, and tetrachloroethene — represent costs that CGL 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.