Wedding Venue Rip-off? Have No Fear! Wedding Insurance Is Here! by Jimmy Loram

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Here’s a little narrative about a pair of soon-to-be-married youngin’s who were counting their lucky stars that they had wedding insurance for their wedding day. The day started out just fine with the ceremony taking place outside the location at their garden ceremony site. Sure, it was by a busy street and a lot of traffic interference could be heard during the ceremony but the newlywed pair didn’t sound off about it. The ceremony was not that big of a deal to them.

Once the ceremony was over the guests moved into the inside foyer for the hour long wait until the main room opened. Friends and family were drinking and eating and living it up. This was, after all, a party, a celebration, and the guests we’re living it up. Some food might have been dropped…a beverage may have spilled a little bit. There were a couple young ones in attendance, too, so they tend to not be so neat sometimes. There wasn’t anything out of the ordinary when it came to the hors d’oeuvres gathering. Nothing that would need any sort of wedding insurance policy.

The wedding attendees then went to the reception area for the dinner and dancing. The meal was mediocre at best. This was, after all, a wedding and when feeding over 200 guests, it’s difficult to make outstanding meals. Some would even say the food was close to dog food, but that didn’t matter. What was significant was that all of the bride and groom’s closest people were there to spend time with them and to celebrate their marriage! Wedding insurance was the furthest thing from the bride and groom’s. The newlyweds were preoccupied with spending time and enjoying their loved ones and close friends. They weren’t table hopping thinking, “Do you think if Aunt Edna falls over it’ll be covered by our wedding insurance policy?”

Now that the main meal was complete, the cake cutting followed, of course. Up to now, not only had all the guests tilted back more than one glass, but so had the happy couple. They were go the extra step with the cake cutting and ended up doing a little less feeding and a little more smashing. A little cake in his face, a little in hers, a little more up his nose, a little more up hers, and so on. Of course, some of the bits scattered on the not so nice carpet, but no one squished it into the rug and the goofy pair was sure a food server or worker would have cleaned it up directly. Besides, this probably happened at a lot of the weddings there and even if the floor got a little stained, surely the wedding locale had wedding insurance coverage of their own.

After that—and after cleaning the tasty treat off of their faces—the bride and groom danced their first dance. All the wedding guests had tears in their eyes during this special dance. After all the other special dances, like the father daughter dance, the rest of the group got up to dance in the celebration. The Dee Jay was very involving and everyone danced the night away. During the bouquet toss, the bride tossed her flowers too high the flowers actually bounced off of the roof! The bouquet rebounded right in to the hands of the youngest bridesmaid. Naturally, no person was wounded by jumping for the bouquet so no need for wedding insurance thank goodness! Perhaps the couple was wondering if they had mistakenly purchased a waste of a policy.

Now, at the end of the night, almost all of the guests had made their way home and the bride and groom were spent. They were enormously thrilled with the outcome of their ceremony and reception and they were even more thankful that nothing terrible happened to the point of having to have their wedding insurance coverage come into play. Surprisingly, no one from the location saw them off. The bartender closed the doors behind them and their amazing ceremony and reception was complete, only to be alive in their memories. They weren’t aware the location owners had been ripping couples off for years.

Two weeks after the special day, the two got a bill from the owners of the location claiming that there was damage caused to their establishment during their event. They expressed the gazebo was damaged by a groomsman. They said a table in the cocktail hour area had a drink spilled on it and was ruined beyond repair. They had to get a new one. They stated that the ridiculous cake fight that occurred ruined that area of the carpet and the entire carpet needed to be replaced. They mentioned that when the bride tossed her bouquet, it scratched up the ceiling and stained it, so the stained section and the entire room had to be repainted. The total number of dollars to the bride and groom came out to $24,000!

Mr. & Mrs. was devastated. They had no idea what to do. They presumed that they had to pay up or get sued, and we all know what that can cost. After discussing it all with their parents and other family members, it was the minister who mentioned their wedding insurance. The hapless duo reached their wedding insurance broker, who opened up a case to investigate. The newlyweds breathed a doubtful sigh of relief.

Several weeks elapsed and the newlyweds heard nothing and started to grow more concerned. They started going over their funds to see if they could somehow pay off the amount that they were being asked to pay. Their wedding insurance broker finally reached them and told them to come in for a meeting.

It turns out the owners of this wedding establishment had been making false claims on their bride and grooms for the past year. Whenever they felt they needed something repaired or upgraded, they would blame the previous weekend’s wedding clients. Lucky for them, most newly married kids didn’t think they had a choice and whenever they tried to work out a deal, the wedding location directors would threaten them with court. Resentfully, couples would just give them the money. This would not be happening any more!

The wedding insurance policy would have covered any damage caused by the new married pair’s wedding, but with an open case, the wedding insurance representative was able to look into and ask questions of the owners and uncover the scam. Not only did this couple not have to pay off the deplorable owners of the wedding location, but they saved any future embezzlement by these wedding rip off artists.

In this particular situation, normal wear and tear would have been the determination and their wedding insurance would be unnecessary at that point. And now, this couple and their wedding insurance representatives, are champions for sending those deplorable reception hall representatives to prison. If they had never gotten wedding insurance, the victimization of couples may have gone on indefinitely.

Visit this wedding insurance blog to gain new insights into how you can protect your wedding investment.

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September 15, 2014 |

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