Claims Center

Generally, an adjuster will contact you within one business day. Significant storm events could create delays.

Please contact the Claims Customer Service Department for further assistance at 405-218-5817, M-F 8:00 a.m. - 4:45 p.m., excluding Holidays or email claimsmail@afrmic.com.

A deductible is the part of the covered loss that you owe. Typically, you pay your deductible along with the insurance proceeds directly to your contractor after the repairs are complete.

Yes, your policy requires that you protect any covered property from additional damage due to a covered loss. Please take photos to document the damage and save the receipt for reasonable emergency or temporary repair.

If your policy covers Additional Living Expense and your residence is uninhabitable due to a covered loss, we will reimburse you for reasonable increased costs needed to maintain your normal standard of living. This might include: hotel bills, meals if unable to prepare them in your home, etc. Please check your policy or consult with your agent for additional information if necessary.

Depending on the nature of your claim, it may be handled by phone or require physical inspection. If a physical inspection is required, your adjuster will contact you to discuss an appropriate time to conduct the inspection.

After inspection, the adjuster may be able to provide your estimate onsite. If not, you should expect to receive your estimate within 7-10 business days.

Depreciation is the reduction in value of an item or material due to their age and wear and tear.

If your policy has replacement cost coverage, you can make a claim to recover the depreciation within 2 years of the date of loss. To claim recoverable depreciation: submit itemized bills, invoices and/or receipts to your adjuster for completed repairs. Once reviewed, payment for eligible expenses will be released, not to exceed the actual cost to repair.

Please have your contractor discuss any differences with the adjuster.

Contact your adjuster as soon as possible so we can determine if the additional damage is covered and if an additional inspection is needed.

If your policy provides coverage for damaged personal property, you will need to make a list for your adjuster and keep the property for the adjuster to inspect. Include as much information as possible, including brand name, serial number, model number, purchase date/age, and original price paid. Also, indicate if the item can be repaired.

Please contact your mortgage company and let them know that you have a claim check that needs to be processed. The mortgage company will provide instructions on their endorsement process for insurance checks.

Please send the check back to us at PO Box 24000 Oklahoma City, OK 73124 with VOID written across the front with a note of the new mortgage company's name. If you have a document to show the change, please send a copy with the check. Also, let your agent know so they can update the policy.