Hammaker & Darner Memorials
Serving Your Area, 523 S Potomac St, MD, 21740
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.
“Do you offer payment plans?”
Many funeral homes allow you to spread the cost over time. Ask about down payments, terms, and financing options.
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.
Business Hours
What Families Say
“It's taken over 22 months to get my mother's (Eleanora J. Russell's) stone installed. I may have been a little upset with it taking so long to get done. I am so happy it is done. Sorry if I was calling so much. Thanks to Rick in the Hagerstown location calling me yesterday to let me know the stone would be installed by Friday and it was done today. It looks great and where the vase was put looks great also. Thank you.”
— Debbie Brawner
“I wanted to a review for those considering using Handmaker , this company did a great on sitting down with us and getting all the details correct. We were a little skeptical with the timeframe. However looking at the finished product there is an obvious reason why this company is so busy. The workmanship is exceptional, every little detail requested was met. Thank you, Gene, Donna & Jess”
— Donna Jean Middledorf
“Could not get service done in a timely manner. Unfortunately, not enough employees”
— lou
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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