Post # 47
I”m sorry for your loss, but it’s not your photographer’s fault your father passed away. I don’t understand his insurance thing, but he’s within his right to keep the deposit. It doesn’t matter how well off you THINK he is, he’s running a business.
Post # 48
I think you had a great explanation as to the insurance thing. Anyone looking for an explanation should read this post!
Post # 49
OP – so sorry for your loss.
I could see a business like that having some sort of policy insuring against having to refund people if he was ill, or if a major storm swept the area cancelling ALL weddings for a period of time. I doubt refunding it would void his policy (since he could just pay it out of pocket), but I can see how it’s possible that he meant the deposit’s not an insurable loss.
Unfortuntely I think your contract is fairly standard. If $600 will make or break you, and you’re not willing to book far enough in advance that his prime days are free again, you could consider getting married on an alternate day. Even a Friday or Sunday might have some wiggle room? We were able to get a VERY popular photographer 5 months out because we had a Friday wedding. If you’re not willing to make it work, you’ll just have to come to peace with the fact that you chose a traditional wedding over saving that money, and be thankful that so many of your other vendors were able to work with you on this.