Fire Damage Claim Denied or Underpaid?
We Used to Work for Insurers — Now We Fight for Alberta Property Owners
A fire loss is devastating — whether it's a business, rental property, or home. The last thing you need is an insurer delaying, blaming maintenance, or offering a lowball settlement. For nearly a decade, we defended insurance companies. Now we use that insider knowledge to protect Albertans dealing with fire and smoke damage claims.
Straight talk. Strong advocacy. Proven results.
Why Choose Us for Fire & Smoke Damage Claims
Insider Advantage
Nearly 10 years representing insurers means we know how they undervalue fire claims.
We Handle the Entire Claim
Adjusters, engineers, contractors, experts, negotiations, litigation.
Complex Fire Loss Experience
Structural damage, contents loss, smoke penetration, rebuild scope, BI claims.
Fast Action
Fire claims are time-sensitive; we intervene before the claim goes off-track.
Clear Fee Options
Flat-fee policy reviews + contingency for disputes.
Fire or smoke damage at your property?
Types of Fire & Smoke Loss Claims We Handle
Insurance Claims We Handle
Residential House Fires
Commercial Building Fires
Kitchen & Electrical Fires
Furnace, Heating & Mechanical Fires
Wildfire & Smoke Damage
Apartment & Condo Unit Fires
Tenant-Caused Fire Losses
Arson Investigation Disputes
Contents Loss & Inventory Valuation
Additional Living Expenses (ALE) Disputes
Business Interruption
Scope of Repair / Rebuild Disputes
Smoke Odour & Soot Contamination Claims
Total Loss vs. Partial Loss Conflicts
Bad Faith Handling by Insurers
Common Reasons for Disputes
Failure to maintain electrical/heating systems
Arson or suspicious origin (often misapplied)
Wear and tear or deterioration exclusions
Wrong cause-of-loss determination
Smoke damage undervalued or ignored
Contractor estimates minimized by insurer
Contents undervalued or improperly depreciated
ALE (temporary housing) cut off too early
Business interruption underpaid
Insurer relies on their own expert only
What to Do After a Fire Loss
- 1
Document everything
Photos, videos, inventory lists, damaged items.
- 2
Don't rely on the insurer's contractor only
They minimize scope and cost.
- 3
Request all estimates and engineer reports
- 4
Keep receipts for temporary housing, meals, and emergency essentials
- 5
Track all business downtime
Commercial losses.
- 6
Consult a lawyer early
Fire losses go off-track fast.
Need clarity on next steps?
Client Testimonials
See what our clients say about their experience with our firm and how we helped them through their personal injury claims.
I would highly recommend Shiv Ganesh with Wilson Laycraft for a lawyer. He is down to earth, got right to work and didn't BS around, but got to the point of the matter. He listened intensely and communicated well. He is highly knowledgeable in his field . I would DEFINITELY have him represent myself or any family member, friend or acquaintance that needed a GREAT lawyer.
D. N.
Shiv is absolutely fantastic at what he does. I was a pedestrian struck by a vehicle and he has been nothing but diligent, devoted, professional, and dedicated to get the best result possible for me. I am extremely grateful to have had him work on my case and will be recommending him whenever possible.
L. E.
My consultation with Shiv was excellent from beginning to end. He replied promptly, reviewed my paperwork ahead of time, and booked me in without any delays. The appointment itself was on time, efficient, and highly professional. I left genuinely impressed with how smooth and streamlined the entire process was.
C. W.
I appreciated how prepared Shiv was for my consult. He reviewed my documents ahead of time, booked me in on short notice, and started exactly on time. The meeting was efficient and well-run, and everything I needed was addressed clearly. Excellent service.
K. W.
Fire Loss Insurance FAQs (Alberta)
Trusted by Albertans
for serious injury claims.
Nearly a decade of experience defending insurers — now fighting for you. Member of the Canadian Bar Association, Alberta Civil Trial Lawyers Association (ACTLA), and the Law Society of Alberta. Backed by strong testimonials and proven advocacy.
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Free Consultation
We are listening.
Consultations are always free and we offer a complete commitment to our clients with no upfront legal fees unless we win.
Clear answers. Strong advocacy.
To start your free consultation, fill out the form. Or call us at 403-527-7736
SHIV GANESH
Personal Injury and Insurance Lawyer
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