Once you and your chosen photographer have decided on a mutually agreeable contract, it is time to reserve the photographer. The formal way to engage this commitment is by providing a deposit to the photographer. This is usually anywhere between 10-50 percent of the final quoted price.
The basic expectation for a photographer is that no other weddings will be booked for this day, as they are counting on your business to keep them busy. If you cancel your wedding for any reason, you should not expect the deposit to be refunded. Chances are, the photographer has already taken a loss and, depending on the contract, you still may be liable for the full balance.
If the photographer cannot make the wedding (family death or illness, etc), you should expect a full refund of any deposits so you can make alternate arrangements.
Most deposits will be in a secured form, either cashier check or money order. Depending on your photographer, personal checks may be accepted. Do not ever use cash or other means which do not maintain a legal paper trail of your transactions.
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