Written by Steve Henshaw, President & CEO, EnviroForensics in collaboration with Justin Gifford, General Counsel, EnviroForensics
As seen in the January 2010 issue of Western Cleaner & Launderer
Opening up Google, a newspaper, turning on the radio or catching the evening news is sure to expose you to the national debate over health care and insurance. Through that exposure, most of us have gained at least a passing familiarity with the issue of “pre-existing conditions.” Insurers either refuse outright to cover a person with a pre-existing condition or exclude that condition from the coverage, leaving the insured to pay for it out of his pocket. Environmental liabilities and using historical insurance to offset those liabilities are not the focus of a lively national debate, yet the costs incurred by drycleaners each year due to a similar problem are staggering.
We receive calls on a regular basis from drycleaners or property owners already engaged in defining the size of a spill or actively remediating it at the “request” of regulatory agencies asking for our help locating historical insurance to pay for the investigation and cleanup. Often times, we are able to locate that insurance to fund the clean up…but just as often, the twenty, thirty or hundred and fifty thousand dollars already spent by our client cannot be recovered from the insurer even though the spending was necessary to comply with the regulator’s orders.
Continue reading “It’s a Good Idea to be Proactive!”
By Steve Henshaw, P.G., President and CEO of EnviroForensics & PolicyFind, in collaboration with David O’Neill, Director of Investigations, PolicyFind
As seen in the October 2009 issue of Western Cleaner & Launderer.
The dry cleaner had gone to the attic in search of his old business package policies. He explained that he had no idea before visiting an attorney that these old expired insurance policies could be of any use to him. Since they were package policies, they contained more than one line of insurance. Parts of the policy provided coverage against damage to his building, against break-ins, storm damage and even workers compensation coverage. As far as he knew, all of this coverage had long ago expired. Why would he still have copies of these old policies? There was no reason, he thought, that he would have kept them. They would have to be in a box or two that he had neglected to put in the dumpster. Continue reading “How Insurance Archeology Can Assist Dry Cleaners When Environmental Contamination Claims Threaten Their Business”
Today’s Environmental Compliance Costs: Insurance Archeology for the Laundry Industry
Written by David A. O’Neill, J.D., Director of Investigations, PolicyFind
Published in Laundry Today Jan 2009
An increasing number of laundries are striving to heighten their ‘green consciousness.’ Many go above and beyond what is necessary for them to maintain environmentally correct facilities. But sometimes, even with the best intentions, a facility can find itself on the wrong side of compliance based upon the actions of companies who previously operated on the land where they are currently located. Continue reading “Reaching Into The Past to Pay”
Contaminated dry-cleaning properties keep firm busy
Written By Scott Olson
As Seen in the July 14-20, 2003, Vol. 24, No. 18, issue of the Indianapolis Business Journal.
Dry cleaner Denver Cain provided a blunt assessment about the pickle he’d be in if he were left to finance a half-million-dollar cleanup at one of his properties.
“I’d be in deep doo-doo,” he said.
Fortunately for Cain, he found the consulting firm Environmental Forensic Investigations Inc. The locally based company, known as EnviroForensics, specializes in locating sources to pay for site investigations and cleanups. Continue reading “EnviroForensics Uncovers Liability in Site Cleanups”