Gray's Funeral Home
618 Jefferson Ave, Cape Charles, VA, 23310
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 Virginia
$2,495 – $7,848
Source: NFDA 2023 · Direct cremation to traditional burial
If they had life insurance, it can cover this
Funerals in this area run $2,495–$7,848. 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
“My mother chooses this place years before she passed away. The owner’s wife said she and my mom were long-time friends. No one in our family could recall this friendship. If there was possible way to give a half star, I would. We were disappointed with Gray Funeral Home's appearance and services. We discussed having an outdoor memorial (because this was the height of Covid-19 )service that required wifi for Zoom and or Youtube viewing. The owner and his wife guaranteed outdoor memorial service at Gray’s location. We were from out of town coming from different states. We never saw the site and only had spoken over the telephone. I arrived the day before the service and knew there was no possible way an outdoor service would be possible. The yard was full of cars and trash that couldn't be discarded in less than 24 hours. We had to make arrangements for a memorial service at another location. The service prevailed with success. We had people come from out of town to assist in the Memorial Services. The current owners were not fully prepared for our requirements. The owner tried to present my mother's Ashes in a local store plastic bag. The services offered by Gray Funeral Home is below standards. The photos on the site are not current or may not be the location.”
— Barbara Richardson
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— Nya King
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— Cynthia Pulley Cynka
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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