Fink & Stone Funeral Home and Cremation Services Inc
111 E Allegheny St, Martinsburg, PA, 16662
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 Pennsylvania
$2,745 – $8,633
Source: NFDA 2023 · Direct cremation to traditional burial
If they had life insurance, it can cover this
Funerals in this area run $2,745–$8,633. 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
“Mama's funeral was handled beautifully by Bill and staff. She looked so peaceful. His quality of service goes beyond the ordinary. He cares about the loved ones who remain. Thank you Billfor taking such thought and care for our mother.”
— Marsha Smith
“The “gentleman” that runs the funeral home is rude and unprofessional. I think he needs to find a new line of work.”
— Carol Riggleman
“”
— Landi Gibson
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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