This property has a documented history as a landfill going back to 1922. 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.

Waste disposal operations at this property — including domestic refuse collection, community cleanup events, and periodic burning — took place from approximately 1922 through the 1940s, placing all contaminating activities decades before 1986. The additional groundwater monitoring needed to track vinyl chloride, dissolved arsenic, and polycyclic aromatic hydrocarbon exceedances, further investigation of historic fill migration beyond the property boundary, and the remediation work required to achieve Wisconsin DNR closure under the site's Historical Waste Site designation represent future costs that carriers who insured the businesses operating 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.