Claims Center
AFR insurance is proud of our fast and fair claims service.
24 Hour Claim Reporting
1-800-324-7771
Carefully listen to the menu selection to be properly directed for claim service or you may report your claim online using one of the forms below. If the claim involves an uninhabitable home or extensive water damage (excluding flood water), please report the loss via phone.
Online Claim Submission Forms
Our Promise
AFR Insurance is dedicated to getting you back on your feet with as little stress and difficulty as possible. Rest assured, we will do everything we can to handle your claim with urgency and fairness.
General Claim Process
Contact
Shortly after you file your claim, you should expect a phone call from your adjuster. They will discuss the loss, gather information, and explain the claim process in greater detail.
Investigation
The adjuster will review your policy and applicable coverages. Depending on the claim, your adjuster may elect to meet with you to gather more information and evaluate the damage. Your adjuster will keep you updated during the investigation.
Evaluation
If your loss is covered, your adjuster will determine the value of your loss.
Payment
If the value of your loss exceeds your deductible, you will receive a check in the mail.
Insurance agent was helpful in getting process started and adjuster has been excellent to work with!
Very polite, professional and fast turnaround!
Your adjuster called us as soon as we turned in the accident and has been very nice and explained everything that we needed to do.
Communication was awesome!
The claim process was effortless for me.
Quick Response Time!
Friendly and very helpful adjusters. They stayed on top of the situation and made sure I was taken care of.
Fast, Hassle Free Service.
I always appreciate the customer service I get from AFR.
Patient & Helpful.
AFR had great communication and fabulous claims service. Everything was taken care of with a few text messages.
Auto FAQ
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.
If you elected to include rental coverage in your policy, we will set up a rental vehicle while your damages are being evaluated. *Subject to policy terms and conditions.
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 auto repair shop after the repairs are complete.
If your vehicle is an apparent total loss, please remove your personal belongings and license plate from the vehicle. The adjuster will request that you release the vehicle to be moved to a salvage yard.
Your adjuster will review your claim and determine if an inspection is necessary. In many cases, your claim can be handled over the phone. If an inspection is necessary, your adjuster will contact you to discuss a suitable time to inspect the vehicle.
No, you don't need to obtain an estimate. If you choose to get an estimate, please advise the shop that this is related to an insurance claim. You will want to provide the estimate to your adjuster.
If a shop determines that a supplement for damage is needed for items not seen on the initial repair estimate, the shop should call the adjuster. They will determine whether the supplements are warranted and covered under your insurance policy.
Please contact your lienholder and let them know that you have a claim check that needs to be processed. The company will provide instructions on their endorsement process for insurance checks.
Prior claim history and other factors determine if a claim will affect your premiums. Check with your AFR agent to determine your specific situation.
What to do if you have an auto accident
- Do not leave the scene of the accident, unless it is to get out of the way of oncoming traffic.
- Notify police or highway patrol immediately from the scene of the accident.
- Do not admit fault or discuss the accident with anyone except the police or an authorized representative of AFR Insurance.
- Verify insurance coverage by presenting the insurance verification card to the other party and the investigating officer.
- Obtain the names, addresses, phone numbers, license plate numbers and the other party's insurance company name, address, phone number, and policy number.
- Document when and where the accident occurred and take photos.
- Call your AFRMIC agent, the AFR Claims Department at 800-324-7771, or fill out our online Claims forms as soon as possible to report the loss.
Property FAQ
How much coverage do I need?
Determining the right amount of coverage may seem like a daunting task but with the experience of our local agents in your community, they'll help you find the right coverage. Whether it's for your home, auto, farm or life, AFR Insurance is prepared to help you.
Find an AFR agent today and start exploring the coverage options that best fits your needs!
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.