We have the experience and know how to determine fully if in fact your claim was properly denied, with several years working as a company adjuster for several insurance carriers, we will be able to fully determine the reasoning on the denial and see if we can find a way to reverse the insurance companies reasoning.
If your claim was denied properly then we will just explain the reasoning and consult you for the next time.
No its never too late to contact us for a free no obligation consultation, we will simply walk through your home and review your documents and discuss your options. If we feel that the insurance company will make a low ball settlement offer or attempt to deny your claim we will then advise you of how to better proceed so that you have the maximum protection and that your claim is paid in a timely and fair manner.
The law permits up to 5 years to reopen a previous reported claim whether it was under paid or denied for a potential reopen. You have nothing to loose for simply contacting us. There are several clients who were not paid properly because maybe the roofing material no longer matches or exist, maybe you were only paid an allowance for repairs of your fence or screen enclosure, or maybe someone advised you that the amount of damages on your property will not exceed your deductible with a company adjuster coming out to determine the full extent of damages.

"Policyholders with public adjuster representation typically received higher settlements than those without
public adjusters. Policyholders that filed catastrophe claims in 2008 and 2009 generally received larger insurance settlements than
policyholders that did not hire these persons.
The typical payment to a policyholder represented by a public adjuster was $22,266 for claims filed in 2008 and 2009 related to the
2004 hurricanes (see Exhibit 6). In contrast, policyholders who did not use a public adjuster received typical payments of $18,659.
The difference in payments was larger for claims related to 2005 hurricanes, with public adjuster claims resulting in payments that were
747% higher.However, as policyholders pay public adjuster fees as a percentage of their settlement, their net settlement would be lower
than this amount.[7]