When the tanker offloads it's fuel, it stirs up any water & sediment accumulated over time in the servo's tank
Because litre for litre water is more dense (or heavier) than fuel, the fuel floats so to speak, on top of any water & sediment in the tanks
It is the refilling process that causes all the accumulated crap in the tank to mix with the fresh fuel.....But it does separate again and all the water and sediment returns to the bottom of the tank
I worked at a mates old man's servo about 25 years ago
He used to organise the fuel delivery before the diesel or petrol tanks got down to a certain amount of litres left in them
He had worked it out over time that refilling before getting to "xxxx" amount of litres left, didn't disturb any water & sediment in the storage tanks....And he hadn't received any complaints about contaminated fuel for quite a few years