Hagarty-Waychoff-Grarup Funeral Service
400 South St, 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
Business Hours
What Families Say
“From the first meeting with Louis until the end of the funeral service, my family and I experienced nothing but great service and quick responses when we reached out for questions. Louis and Jim were top notch. Couldn't have asked for better service, during this difficult time.Thank you both!”
— True Ylandus
“Everyone was very disrespectful here and we weren't able to have the grieving process that my family deserved. Three members of the staff gossiped about my family right in front of us or in the office within ear shot. The treatment we received made me wonder if they even cared enough to actually place my aunt in the casket.”
— Mary White
“Very helpful and very kind people. They made everything really simple when my father passed. Everything was handled in a timely manner.”
— Sisters Makeup
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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