Farm Bureau windshield replacement Arizona and Florida
We're a mobile auto glass shop serving Arizona and Florida. Tell us you're insured with Farm Bureau and we'll verify your coverage, handle the claim paperwork, and come to you — usually next-day.
Will Farm Bureau charge you a deductible?
It depends on which state your policy was written in — the two states run completely different rules.
Arizona
If your policy includes optional zero-deductible full-glass coverage, your deductible is $0. Otherwise, your comprehensive deductible applies. A.R.S. § 20-264.
Florida
With qualifying comprehensive coverage, Florida waives the windshield deductible. Door, rear, quarter and sunroof glass use the policy's normal deductible. Fla. Stat. § 627.7288.
General information, not legal or insurance advice — coverage varies by policy, and we confirm yours free before any work. Full state rules: the Arizona full glass guide · the Florida windshield law guide.
How to file with Farm Bureau
- 1. Open the glass claim with Farm Bureau.Most carriers take glass claims through their app, their website, or the claims number on your policy card — say "glass only" and it's usually the fastest lane they have.
- 2. Answer the basics.They'll ask for your policy number, the date the damage happened, and which glass is damaged — plus roughly where the break sits and how big it is.
- 3. Write down the number they give you. Some carriers issue a claim number directly; others route glass through an administrator and hand you a referral number instead. Either one is all we need — the notes below cover what to expect from Farm Bureau.
- 4. Or skip all of it. Tell us it's a Farm Bureaupolicy and we file the claim with you start to finish — that's included, not an add-on.
What to have ready
- Your claim number — if you already filed
- Your policy number — if you haven't
- Year, make, and model
- The VIN, if it's reachable — two same-trim cars can take different glass
- The ZIP code where the car will be parked
Missing something? Start anyway — we'll fill the gaps with you on the phone.
How a Farm Bureau glass claim works with us
- 1. You call or book online. Tell us it's a Farm Bureau policy and give us your vehicle, the damage, and where you want us to meet you.
- 2. We verify your coverage — free. We confirm what your policy actually covers before anything is scheduled, so there are no surprises.
- 3. We handle the claim paperwork. We file it and walk you through anything Farm Bureau needs from you directly.
- 4. We come to you. Home, work, or roadside — most jobs take 30–45 minutes, plus recalibration where your vehicle needs it.
14,000+
Windshields replaced
4.7
Rated on Google
200+
Cities across AZ & FL
52
Vehicle makes serviced
Every windshield replacement comes with OEM-quality glass, a lifetime workmanship warranty for as long as you own the vehicle, and ADAS recalibration to factory spec when the vehicle needs it.
Farm Bureau policies show up on our schedule in both Arizona and Florida — and because Farm Bureau is organized state by state, those two claims run under two different sets of rules. Here is what happens after a Farm Bureau windshield claim, what a referral number means if you get one, and how recalibration fits into the appointment.
Farm Bureau claims in Arizona
Arizona gives you three protections worth knowing before you file. Under A.R.S. § 20-264, every insurer selling comprehensive coverage in Arizona — Farm Bureau included — must offer you a zero-deductible full safety-glass option. If you carry it, your windshield replacement is $0 out of pocket. Under A.R.S. § 20-263, an insurer may not raise your premium over an accident you did not cause — the normal treatment for glass damage from road debris. And under A.R.S. § 20-469, the choice of glass shop is yours — not your insurer's.
We serve the Valley and beyond: Phoenix, Mesa, Scottsdale, Tempe, and every Arizona city we serve. Full detail on state coverage rules is on our Arizona insurance guide.
Farm Bureau claims in Florida
Florida is the strongest windshield state in the country for drivers. Under Fla. Stat. § 627.7288, an auto policy with comprehensive coverage must replace your windshield with no deductible — so a Farm Bureau comprehensive policy generally means $0 out of pocket on a windshield replacement. The statute covers windshield replacement specifically; door, quarter, rear, and sunroof glass follow your normal deductible.
We serve Tampa Bay, Orlando, Miami, West Palm Beach, Jacksonville, St. Petersburg, Clearwater, and cities across Florida. The full statute breakdown is on our Florida windshield law page.
Where we come to you in Arizona and Florida
Farm Bureau glass claims — common questions
Does Farm Bureau handle my Arizona and Florida glass claims the same way?+
Not necessarily. Farm Bureau is organized as state-level insurance companies under a shared name, so an Arizona policy and a Florida policy can be underwritten by different companies even though the card looks similar. More importantly, the law differs. In Florida, Fla. Stat. 627.7288 requires insurers to waive the deductible for windshield replacement when the policy includes comprehensive coverage — windshield only, not door, quarter, rear or roof glass. In Arizona, A.R.S. 20-264 requires insurers to offer optional no-deductible safety-glass coverage, which is an option you must have elected; it is not automatic. Check your declarations page or ask your agent which applies to you.
Farm Bureau gave me a referral number. Do I have to use the shop they suggest?+
No. A referral or dispatch number means a third-party glass administrator is coordinating the claim, and it is simply the reference that ties the work order to your claim file. In both Arizona and Florida you choose your own glass shop. Being given a number, or being read a list of providers, does not restrict that choice. Keep the number handy and give it to us along with your policy number and VIN so we can attach the job to your open claim on the first call.
My Kia has lane-keeping and my windshield is cracked. Is recalibration part of the job?+
Yes. Most 2018-and-newer Kia, Ford, Jeep and BMW vehicles have a forward-facing camera mounted behind the windshield that drives lane-keeping, automatic emergency braking and adaptive cruise. When the glass it looks through is replaced, that camera must be recalibrated before those systems can be relied on. Many Kia builds specifically require a static target-board calibration in a controlled space rather than a road drive cycle. We handle recalibration as part of the replacement, not as a separate trip you have to arrange yourself, and we will tell you which type your vehicle needs before we begin.
Do I file the Farm Bureau claim myself?+
You don't have to. Tell us it's a Farm Bureau policy when you book and we handle the claim paperwork and walk you through the filing — that's included, not an add-on. Have your policy number and the date the damage happened handy and we take it from there.
Will a glass claim raise my Farm Bureau premium?+
Glass claims are filed under comprehensive coverage. Arizona law (A.R.S. § 20-263) restricts an insurer from increasing a premium as a result of an accident the insured did not cause or significantly contribute to. How a particular glass claim is treated depends on the facts, your policy, and Farm Bureau's rating practices — ask Farm Bureau directly if this is a concern.
How fast can you replace my windshield?+
Next-day appointments are typically available across Arizona and Florida, and we come to you — home, work, or roadside. Booking is open 24/7 online or by phone at (877) 994-5277. We confirm your exact window once we've verified your glass and your Farm Bureau coverage.
Other carriers we bill
HiRoad · Just Insure · Stonegate · Peak · Equity · The Hartford · Gainsco · Amshield · American Hallmark Insurance Company of Texas · Fred Loya · Aall · Star Casualty · Clearcover · American Access Casualty · Country Financial · Peoples Trust · Security National · Main Street America Protection · Falcon · Westbend · Aegis Security · Toyota Insurance · Progressive · GEICO
Don't see yours? Browse all carrier claim guides or just call (877) 994-5277 — we verify coverage and file the claim for you.
Need help with a Farm Bureau glass claim?
We verify coverage and file the claim for you. Mobile service and next-day availability in most areas.