With all the wild weather occurring recently in many parts of the country, do you know who would be responsible to pay for damage to your cemetery property, especially an above-the-ground marker, due to wind, earthquake, water, or other natural force?

The following excerpt from my book, “How to Bankroll a Funeral Without Breaking the Bank”  talks about this question.

Q – If an individual owns cemetery property which includes an above-the-ground type marker, who is responsible to fix it if damaged by such things as vandalism, wind or other acts of nature?

A– A review of the contract or deed for the cemetery property may explain what the cemetery will do if any of these events occur. If it is not in the contract, discuss the situation with cemetery personnel to see what protection, if any, is provided by the facility. In addition to this, a homeowner’s insurance policy may cover the type of occurrences described up to a limit of the policy coverage less any deductibles which apply to that particular insurance policy. Look for a phrase within the policy worded approximately like “cemetery plots or burial vaults owned by an insured person.” This may indicate that coverage is included in a particular policy. If it is still not clear, contact the insurance carrier for a determination of what coverage is available.

My book is available at amazon.com, and answers many of these type questions you may not have considered.  Any one of these tips can easily save consumers more than the price of the book.

Copyright 2010 by Mike Boyd