Insurance Archaeology

Insurance Policy Reconstruction

We ensure that policyholders have robust evidence of coverage to present to insurance carriers, a pivotal service in substantiating insurance claims

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Our Service

Insurance Policy Reconstruction

Our Insurance Policy Reconstruction service is crucial for clients tendering claims for environmental liabilities. Despite the doctrine of utmost good faith, we’ll make sure sure that good faith is upheld throughout the process on your behalf. We understand the importance of providing concrete and defensible evidence of coverage under a specific policy, as carriers are often justified in denying claims without this proof. Our expertise in policy reconstruction is indispensable for policies over 40 years old, given the common scenario of incomplete or non-existent archives.

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The Process

What Insurance Policy Reconstruction

Through years of experience, we’ve created and followed a meticulous and thorough process for Insurance Policy Reconstruction:
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Insurance policy reconstruction is a fundamental service for many of our clients, as the majority need some level of insurance policy reconstruction before they can tender a claim.


We begin by attempting to find evidence of the original primary insurance policy. The original policy (primary evidence) itself is the best proof we can use, when possible.


When primary evidence is unavailable, we turn to secondary evidence, which is admissible in most states, to validate historical insurance policies, including portions of historical policies, canceled checks with policy numbers, corporate records, etc.


Using our extensive proprietary database, we can often identify specimen policies based on secondary evidence, which your coverage attorneys can use to advocate for you, the policyholder/client.

Insurance Policy Reconstruction

Case Studies

Case Study

Dry Cleaner & the Ecosystem

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Insurance Policy Reconstruction

Frequently Asked Questions

In truth, finding the original policy is rare, especially for older claims. However, we have a very high success rate in constructing robust secondary evidence.

No problem. Even for clients with minimal initial evidence, our years of experience and deep understanding of insurance practices often allow us to reconstruct policies using a variety of secondary sources.

Our team works diligently to reconstruct policies as efficiently as possible, but the time frame varies depending on the complexity of the case and the amount of available information.

Yes, we specialize in uncovering and reconstructing policies from the 1950’s – 1980’s, navigating the challenges of incomplete or absent insurance archives.


Years in Business

Allows us to be the leading insurance archaeology and claims management firm in the country


Million Recovered

We uncover hidden assets for our clients, and we excel at obtaining coverage for their environmental liabilities


Policyholder Clients Served

We only work for policyholders and property owners and do not offer our services to insurance companies


Historical Policy Database

Restorical has been collecting, analyzing, and cataloging historical insurance policies spanning the 1950s-1990s.

Our proprietary database with carrier-specific detail is leveraged for our clients on a daily basis

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Find Your Lost
Insurance Policies

For over the past 20+ years, Restorical has meticulously audited the insurance industry, including each individual insurance carrier, leveraging this real-world experience and our proprietary database to the advantage of our policyholder clients.