Action Guide
Most families request 8–12 certified copies to start. The right number depends on how many accounts, policies, and properties need to be settled — but it's easier to order a few extra now than to go back for more later.
A good rule of thumb is to order 8–12 certified copies. If the estate is more complex — multiple properties, several bank accounts, or probate — you may want closer to 15. You can always order more later, but each request takes time and may require a new application.
Certified copies are official, raised-seal documents from the state. Photocopies are not accepted by banks, insurers, or courts.
Almost every institution you contact will ask to keep a certified copy on file. A single certificate rarely makes the rounds — most organizations will not accept a photocopy or return the original.
Each account may require its own certified copy to close, transfer, or release funds.
Most insurers ask for a certified copy with each claim you file.
Transferring a home or land often requires a certified copy recorded with the county.
If the estate goes through probate, the court will need its own certified copy on file.
Pensions, retirement accounts, vehicle titles, and veterans benefits may each need one.
Before a death certificate can be issued, a licensed medical professional must officially pronounce the death. This is done by a doctor, hospice nurse, or coroner depending on the circumstances.
In most states, the funeral home or cremation provider handles filing the death certificate with the state vital records office. They will collect the necessary information from you.
You will need multiple certified copies — not photocopies. Most families order 8–12 to start. Certified copies cost $10–$25 each depending on your state.
Standard processing typically takes 1–2 weeks. Some states offer expedited processing for an additional fee. Rush situations (estate deadlines, travel) may qualify.