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The Heating Oil Loan and Grant (HOLG) Program

The Heating Oil Loan and Grant (HOLG) Program is run by the Washington State Pollution Liability Insurance Agency (PLIA). It helps owners of heating oil tanks with money to assess, clean up, and upgrade or replace heating oil systems, especially if there’s a leak or risk of future leaks. This program is taking the place of the former PLIA Insurance program. For more information, please visit the PLIA HOLG website: https://plia.wa.gov/heating-oil-loan-and-grant-program/

Happy couple in front of the house

Heating Oil Pollution Liability Insurance Program (HOIP)

Heating Oil Pollution Liability Insurance Program (HOIP) — Past Coverage
Until recently, PLIA offered a no-cost pollution liability insurance policy that:

Provided up to $60,000 in coverage per claim for cleanup costs not covered by other insurance if an active, registered heating oil tank leaked.
Covered cleanup on your property and nearby neighboring property if contamination occurred.
Required registration of your tank before a leak occurred to qualify.
Was funded by fees paid by heating oil dealers.
Important changes as of 2025:
✔ The insurance policy expired on June 30, 2025 and PLIA stopped accepting new registrations and new claims after July 31, 2025.
✔ If you had a claim filed for a leak reported before July 1, 2025, PLIA will continue to administer it (i.e., they’ll process existing claims until closed or funds are used up)

Soil Testing and Site Characterization

If you suspect that your underground oil tank has leaked, a soil test can be performed for verification and may prevent you from making a mistake today which could cost you more money in the future.

Filco performs soil tests by using hand auger or a Geoprobe System to retrieve the sample from below or next to the underground storage tank. The test samples are then delivered to an independent, fully accredited, analytical testing laboratory that will test the soil for Total Petroleum Hydrocarbons. All test results are provided in a written report.

If soil analysis determines that a leak has occurred, a full Site Characterization can be performed to determine the extent of the release which can help you determine the best approach to addressing the contaminated soil.

Site Remediation

If petroleum contamination is discovered, cleanup of the petroleum contamination may be needed, depending on the severity. The most common practice to clean up petroleum contaminated soil includes digging the contaminated soil out and replacing it with clean soil. The contaminated soil is taken to an approved facility for disposal and clean fill material is brought in to backfill the excavation. Another method is bio-remediation, where we will inject the ground with oil-eating microbes which may be effective in some situations.

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