Hagarty Waychoff Grarup Funeral Service
300 W Ridgeway Ave, Waterloo, IA, 50701
Questions to Ask When You Call
You're not expected to know this. These questions help you compare and avoid surprises.
“Can I see your General Price List?”
Federal law (FTC Funeral Rule) requires them to give you itemized pricing. You have every right to ask.
“Do you accept insurance assignment?”
This means they bill the insurance company directly. You don't pay thousands upfront and wait to be reimbursed.
“What's included vs. what's extra?”
Packages may not include everything. Ask about the casket, embalming, transportation, facility fees, and death certificate copies.
Know Your Rights
The FTC Funeral Rule protects you. Every funeral home must provide an itemized General Price List if you ask — in person or over the phone. You are never required to buy a package and can choose services individually. You also have the right to use a casket purchased elsewhere.
Payment & Financial Options
Average in Iowa
$2,246 – $7,063
Source: NFDA 2023 · Direct cremation to traditional burial
If they had life insurance, it can cover this
Funerals in this area run $2,246–$7,063. If your loved one had a life insurance policy, the benefit can cover these costs — and we'll file the claim and handle the carrier for you, even without the policy number. $0 upfront, and nothing if it doesn't pay out.
Services Offered
What Families Say
“They did a wonderful job making my mother look beautiful after a long illness. Her hair was perfect! Her nails were painted and her make up was great. Many people at the service commented on how wonderful mom looked. Nick, our funeral director was professional and very helpful with making the arrangements. Highly recommend their services.”
— Shari Gleason
“My complaint was when we went to the cemetery for my mother's burial, it was a cold November day out at the cemetery and the funeral director rushed us out of the cemetery and told us that we could go back to the church and have lunch where it was warm. The funeral director didn't let us have our quiet time of mourning our loved one because he was a big baby about being out in the cold. That really ticked me off. He had lack of compassion for mourning. In addition, at the church, the funeral director came off really pushy. Also, the Ridgeway funeral home looked outdated and the furniture and wood work looked worn out. It gave me the creeps.”
— JSJ
“It's weird to give stars to a funeral home but I have to because they did such a nice job. We celebrated my grandma and it was beautiful. We had crazy kids running around and the people didn't yell at them, instead they were kind and gentle :) thank you for that. I was the mother of one of the crazies and I was having trouble keeping keeping her sane for 3 hours.”
— Court J
We can help with what comes next.
We file the life insurance claim and recover unclaimed property — the payout can help cover costs like these. $0 upfront.
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