Water Damage Claim Denied or Underpaid?
We Used to Defend Insurers — Now We Fight for Albertans
Water damage is one of the most commonly denied insurance claims in Alberta. Insurers often blame "seepage," "maintenance," or apply exclusions that don't actually fit the facts. Whether your claim involves a burst pipe, sewer backup, or overland flooding, you deserve full coverage — not delays or lowball offers. For nearly a decade, we defended insurance companies. Now we use that insider knowledge to protect homeowners, landlords, and businesses.
Straight talk. Strong advocacy. Proven results.
Why Choose Us for Water & Flood Damage Claims
Insider Experience
Years spent defending insurers means we know how they deny water claims.
We Handle Everything
Adjusters, engineers, scope of repair, depreciation, contents, ALE/BI.
We Push Back Against Exclusions
Seepage, wear and tear, and maintenance exclusions are often misused.
Residential + Commercial Expertise
Homes, rentals, condos, commercial buildings, industrial facilities.
Fast Intervention
Water claims go off-track quickly — early action is critical.
Problems with a water or flood claim?
Types of Water & Flood Claims We Handle
Insurance Claims We Handle
Burst Pipes & Plumbing Failures
Appliance Leaks (dishwasher, washing machine, fridge lines)
Hot Water Tank Failures
Sewer Backup & Sump Pump Failure
Foundation & Basement Water Damage
Overland Flooding & Rainwater Intrusion
Roof Leaks & Ice Damming Disputes
Accidental Discharge of Water
Commercial Water Losses & Business Interruption
Condo Building & Unit Water Losses
Tenant-Caused Damage
Mould, Rot & Secondary Damage
Scope of Repair and Contractor Disputes
Total Loss vs. Partial Loss
Bad Faith Claims Handling
Common Reasons for Disputes
Wear and tear
Maintenance issue
Seepage or leakage
Gradual damage
No sudden or accidental event
Long-term issue
Improper installation
Excluded flood damage
Contents undervalued
ALE (housing costs) denied or cut off early
Business interruption minimized
Engineers/adjusters downplay the cause of loss
Repairs limited to cheaper, partial fixes
What to Do After a Water or Flood Loss
- 1
Document everything
Photos, videos, damaged items, standing water.
- 2
Preserve damaged materials
Until the insurer inspects.
- 3
Get independent estimates
Insurer contractors minimize scope.
- 4
Track all expenses
For cleanup, repairs, and temporary housing.
- 5
Notify the insurer
But avoid detailed statements without advice.
- 6
Contact a lawyer early
Water claims deteriorate fast.
Need help?
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.
Water Damage 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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