Adams Family Funeral Home, P.A. and Cumberland Crematory
404 Decatur St, Cumberland, MD, 21502
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 Maryland
$2,869 – $9,025
Source: NFDA 2023 · Direct cremation to traditional burial
If they had life insurance, it can cover this
Funerals in this area run $2,869–$9,025. 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
“I cannot thank Rob and the team enough for the incredible care they provided after my mother passed. From our first meeting, they treated us like family, guiding us through every detail with such patience and sensitivity. They truly took the burden off our shoulders during our darkest days, allowing us to focus on honoring her memory.”
— Benjamin Lee
“Our extended family has used Adams funeral home for many years. As generations have come and gone, Adams Family Funeral Home has maintained kindness, graciousness and professionalism. Thank you to the Adams' for your assistance over the years in laying our loved ones to rest with the dignity and respect they deserve.”
— Lucas M
“I cannot recommend Adams Family Funeral home enough for the kindness, caring, compassion, and for taking care of our family with my nephew's care during our time of loss and profound grief. Your attention to detail and support as my sister and brother-in-law navigated this difficult time helped to ease their pain and worries about our earthly farewells. You took care of the details so that we could all mourn, gather together, and celebrate his life. Thank you!”
— Barb Carter
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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