Insurance Archaeology

Environmental Proof of Claims Services

We identify your historical insurance policies and secure your environmental claims before insurance company liquidation closes the door.

Find Your Policy
Our Service

Proof of Claims

When an insurance company goes out of business, it first enters a phase known as receivership. During this period, the company informs policyholders that they have a limited timeframe to file claims. If a claim isn’t submitted before the liquidation date, policyholders lose the opportunity to arecover any reimbursement. For businesses facing environmental liabilities, this process can be particularly challenging. It first requires finding old insurance policies before navigating a complex claims process. We specialize in assisting businesses with these challenges, helping them locate historical insurance policies and guiding them through the proof of claims process to ensure they receive the compensation they deserve before the deadline.
 

View Case studies
The Process

What the Proof of Claims Process Involves

The proof of claims process involves locating old insurance policies, assessing coverage, compiling documentation, and filing within strict deadlines to secure compensation before liquidation.
View All Clients
01

The first and often most challenging step in the proof of claims process is locating the necessary insurance policies, which may date back several decades. Our team conducts extensive research to uncover these critical documents.

02

Once we locate the policies, our experts examine them to determine if they provide coverage for your current environmental liabilities, ensuring that your claim has a solid foundation.

03

Filing a proof of claim requires detailed and accurate documentation. We assist you in compiling and organizing all necessary paperwork to support your claim effectively.

04

Timing is essential. We ensure that your claim is submitted within the receivership window so you can recover compensation before the insurance company goes into liquidation.

05

After filing, we remain actively involved, monitoring the status of your claim and addressing any additional requests or documentation needed by the receivership.

PFAS Cleanup

Case Studies

Case Study

Proof of Claims

Read More
Case Study

Beverage Distributor

Read More
Case Study

Family Estate

Read More
Proof of Claims

FAQs – Environmental Proof of Claims

While the specifics depend on the terms outlined in your historical insurance policies, environmental claims can include costs associated with contamination clean-up, third-party property damage, and health-related claims due to environmental exposure.

The time required to locate historical insurance policies can vary depending on several factors, such as the policies’ age and the records’ availability. However, our team is experienced in efficiently conducting research, often uncovering necessary documents within a few weeks. That said, beginning the proof of claims process as early as possible is essential, allowing us sufficient time before the claims bar date.

Our team uses a thorough approach that combines specialized research techniques, including archival research, access to public and private records, and working with industry contacts to trace old policies and increase the likelihood of locating the necessary documentation.

If the insurance company denies your claim, we will explore every possible avenue and assist in reviewing the denial, preparing an appeal, and exploring alternative options to secure the reimbursement you’re entitled to.

Yes, we specialize in handling complex cases involving multiple insurance policies across different periods. We coordinate the identification, analysis, and filing processes for all relevant policies to maximize your potential recovery.

To begin the proof of claims process, you’ll need any available insurance policies, correspondence with the insurer, and records of the environmental issue in question. Our team can help you identify and gather the necessary information if you’re missing some of these documents.

In cases where the insurance company no longer maintains records, we utilize alternative sources, such as our proprietary insurance archives, state records, industry archives, and other historical data repositories, to reconstruct the details of your policy and support your claim.

20+

Years in Business

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

$200M+

Million Recovered

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

100%

Policyholder Clients Served

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

21,000+

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

Get Started

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.