If you’ve incurred damage to your home or property and will be receiving an insurance claim check, we want you to know we’re here to help.

Many times, we’re able to endorse insurance claim checks from your insurance company at your local Arvest branch or by mailing the check to the address below. If you have a claim check to be endorsed, call your local Arvest ahead of time to ensure an authorized insurance claim signor will be available for you upon arrival. For us to be able to endorse the check immediately, the following criteria must be met:

• Total insurance claim is $40,000 or less
• Loan is active
• Loan was current at the time of loss
• Completed insurance adjuster's claim is provided
• Hazard claim affidavit (also available at your local branch) is signed by the borrower(s)

If the claim check doesn’t meet the guidelines above and we cannot immediately endorse your insurance claim check, the check will need to be deposited into an interest-bearing account according to guidelines. This can be done at your local branch or you can mail the check (with your endorsement) to:

For Arvest mortgage loans:

Arvest Mortgage
ATTN: Hazard Claims
500 Broadway St.
Little Rock, AR 72201

(800) 366-2132

Download mortgage hazard claim affidavit

For all other types of Arvest Bank real estate & non-real estate secured loans:

• Phone: Arvest Bank Contact Center (866) 952-9523
• Mail: Arvest Bank
  ATTN: Hazard Claims
  P.O. Box 1697
  Lowell, AR 72745

Download other real estate & non-real estate secured insurance damage claims affidavit

Please review the guidelines below for processing insurance claims and for disbursing insurance funds. Once we receive the insurance claim documentation and check, the funds will be placed in an interest-bearing loss draft account. We’ll disburse check(s) made payable to the borrower once the following items are received:

• Hazard Claim Affidavit signed by borrower(s)
• Copy of insurance adjustor’s report
• A copy of the signed contract between the borrower and licensed contractor, along with a draw schedule (as applicable)
• A copy of the contractor’s invoice or estimate (as applicable)
• A copy of the contractor’s license and certification of insurability (as applicable)

The property must be restored to at least its original value. If restoration costs exceed hazard claim funds, the borrower is responsible for payment of the difference.

All items above must be received before a disbursement from the loss draft account can be made. Checks will be made payable and mailed to the borrower via standard mail. If tracking is a concern, a prepaid FedEx or UPS label provided by the customer may be utilized. Initial upfront disbursements may be provided in certain instances. Contact our office for details.

The following conditions will also need to be met if the total claim exceeds or equals 80% of the insured coverage amount:

• Property inspections may be required and ordered by Arvest at no cost to the customer. (Inspections performed by Arvest are for internal use only and are not designed or intended to satisfy the borrower regarding the quality of the repairs.)
• Please allow at least five business days for an inspection to be ordered and completed.
• In areas that have been affected by a large-scale disaster, please allow 7–10 business days for completion of the inspection.
• An appraisal is required before construction begins. Appraisal costs are the responsibility of the borrower(s).

Please call your local branch with any questions regarding our insurance claim procedures or payment assistance options that may be available to you. You may also contact Mortgage Customer Care by phone at (800) 366-2132, Monday through Friday, 7 a.m. to 7 p.m. CT, or Saturday, 8 a.m. to 2 p.m. or by email at MtgHazardClaims@arvest.com.