Insurance Archaeology

Trigger Analysis

Save time and money with our proprietary Trigger Analysis process for developing a comprehensive coverage strategy.

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Our Service

Trigger Analysis

Our proprietary Trigger Analysis is an integral aspect of our approach, serving as a Rosetta stone for developing comprehensive coverage strategies for our clients. It’s a critical tool in aligning the client’s legal counsel with our findings, facilitating a more efficient and cost-effective pathway to obtaining coverage.

Our Trigger Analysis not only identifies potential avenues for coverage but also continues to add value throughout the legal coverage opinions, tendering claims and funding your pollution cleanup.

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The Process

How the Trigger Analysis is used

At Restorical Research, our Trigger Analysis is designed to discern the viability of a good faith insurance claim and inform the creative strategy that will bring insurance coverage to our clients environmental liability. This process includes:
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Our Trigger Analysis synthesizes key findings from the “Big Three Data Sets” (Environmental, Site History, and Insurance Coverage) into a unified perspective. Each claim goes through this underwriting process and the Trigger Analysis is the final ‘checklist’ on coverage potential. 


When projects move to Task 2, the Trigger Analysis acts as a vital roadmap that saves time and money for coverage counsel to get up to speed and develop cogent legal arguments for their written legal opinion.


Upon client approval to proceed with the tender, we work with legal counsel to address the barriers to coverage identified in the Trigger Analysis. At the same time the salient data is transferred to the tender letter (with an external cloud file) for sharing with the insurance carrier(s) upon tender.


With every piece of correspondence from the carrier(s), the Trigger Analysis is consulted and updated.

More time than not, a carrier is asking for something that has already been answered, provided or documented.


And when the requests for document production, new information or carrier questions are outside what has already been provided, Restorical Research will obtain these materials and respond to the carrier in a timely manner (goal is 2 weeks or less).

Trigger Analysis

Case Studies

Case Study

Housing Authority

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Case Study

Dry Cleaner & the Ecosystem

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Case Study

Port Property with Wood Treatment Contamination

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Trigger Analysis

Frequently Asked Questions

The Trigger Analysis saves time and money by streamlining the process for legal counsel, providing a clear roadmap that expedites their understanding and formulation of a legal opinion on coverage. 

In cases where primary evidence is absent, we utilize secondary evidence to build a convincing case for the existence of coverage.

Yes, the insights and strategies derived from the Trigger Analysis remain valuable from the initial stages of claim formulation to the final negotiations and approval with carriers.


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.