Answers
It depends. No one likes a vague answer, but it's really the only honest one. This is why you should establish good communication with your photographer, and do a lot of planning. In this way there are no surprises, and everyone knows what is expected.
Everyone has a camera in their cell phone. Logically, you would think that photographers would be out of business. The reality is that when you book a photographer, you are booking his/her experience, and the specialized equipment. Professional photographers bring cameras and lenses that are designed to work well in low light, and still deliver a quality image that can be printed in a variety of sizes. Photographers also bring flash equipment that can handle the workload of a wedding shoot. It's not uncommon for a photographer to take over a thousand pictures in one wedding. Most point and shoot cameras don't have that capability or flash capacity.
"If Client fails to perform duties pursuant to this Agreement for any reason including, but not limited to, canceling or postponing the wedding, the retainer fee will not be refunded to Client for any reason. If Photographer is able to contract another wedding assignment of at least equivalent value for Wedding Date, and Client has made Payments in addition to the original retainer fee, Client will be refunded the full sum of the additional Payments that have been made to date. However, if there is any deficiency in the value of the new booking relative to this Agreement, or if no replacement booking has been made, Client is responsible for liquidated damages equal to the sum of the deficiency and shall make payment in full to Photographer at least 10 days prior to the previously agreed upon Wedding Date. If the liquidated damages are less than the sum of Client’s previous additional Payments, Photographer will refund the remaining balance of the Payments to Client. Photographer warrants that reasonable efforts will be made to secure a replacement assignment of at least equal value."
I've also had people ask what happens if something happens to me? If I got sick, or hurt or something. Your wedding would still be beautifully photographed. I work as a team with my wife Judi, and she would take over if need be. Again, a little duct tape, and I'll be fine.

