Thursday, April 11, 2013

Another wedding related expense that's TOTALLY worth it~Wedding Insurance


We found ourselves in a situation when Hurricane Irene came around. Months and months of planning and securing vendors all up until the week of the wedding~then mother nature decides to not cooperate. 
Watching, listening to weather every hour on the hour, while working on Courtney and Dave's florals. Then, the dreaded phone call from a sobbing bride, letting us know the venue has cancelled their wedding, two days before.
Well~this was a learning experience, and do I recommend wedding insurance? I certainly do. Not many have even heard of this type of insurance but It’s the day you’ve waited for your whole life. You’ve never looked better, your best friends are by your side, and your family and friends eagerly await your arrival. You can’t wait to lock eyes with your soon-to-be-spouse coming down the aisle. Everything is perfect—until the unexpected happens.
Maybe you get to the church and your rings have been stolen, your florist is a no-show, or gifts are ruined in transit between the ceremony and reception. Maybe a natural disaster, family emergency, or sooner-than-expected military deployment keeps your big day from happening altogether. Maybe a dancing guest trips over the DJ’s cords and is injured, and sues the venue, DJ, event planners, and bride and groom, leaving the newlyweds to begin married life with a lot of headaches and potential debt.
These aren’t things that anyone wants to think about, but they are very real scenarios. And when the cost of an average wedding exceeds $25,000, the unplanned disasters can mean a loss of a lot of money, not to mention additional time and emotional distress.
”You’d have insurance on a car or a house, and you’re spending the same amount on a wedding as a car, so why wouldn’t you insure your wedding?”  “When you’re spending that kind of money, to me, it’s a no-brainer.”

Types of Wedding Insurance
Steve Lauro, who manages the WedSafe insurance program, said while the wedding insurance market is more mature in Europe, in the U.S., only about 2% of weddings are insured—but that percentage is growing as awareness increases.
There are two types of wedding insurance, Lauro said. Venues, especially museums and other places that are not in the wedding business per se, often require liability insurance, which covers property damage, an accident that causes injury, and any alcohol-related claims filed against the bride and groom or the venue.
Event cancellation insurance applies to weddings that are canceled due to unforeseen circumstances, such as a death, natural disaster, or unexpected deployment, and also to vendors who do not show up or do not perform. For event cancellation insurance to apply, events must be out of the control of those involved, though some providers offer a “change of heart” coverage option.
Claims run the gamut, Lauro said. The most common claims are for non-performing vendors, and the more extreme claims such as natural disasters are rare.
Through wedding insurance providers like WedSafe, Protect My WeddingWedsure, and private event insurance companies, consumers can pick and choose options that meet their budgetary requirements and coverage preferences, buying both liability and event cancellation insurance or only one type of plan, and often receiving a discount for purchasing both types.
Cost of Wedding Insurance
When planning a wedding on a tight budget, it can seem difficult to justify any expense that doesn’t get you prettier flowers, nicer photos, or an additional tier of wedding cake. But it can also seem pretty easy to justify buying something that protects all of those things.
Liability insurance is offered for amounts ranging from $500,000 to $2 million, including coverage for property damages. Event cancellation insurance, largely based on the total wedding budget, breaks down the coverage one would receive based on the problem that occurs. An event cancellation policy through WedSafe for a $25,000 event offers $2,000 each in coverage for photography and videography, gift damage, special attire, special jewelry, and loss of deposits; $750 for professional counseling after-the-fact; and $6,250 for any extra expenses that may be incurred. Parties can choose to increase or decrease certain coverage limits within a policy level.
Across different providers, the cost of a $1 million liability policy and cancellation insurance for a $25,000, 250-guest Texas wedding ranges from about $350 to $500.
Timing
Wedding insurance can be useful before the big day, on your wedding day, and after-the-fact, in some cases. While it can often be purchased up until shortly before the event, waiting that long is not recommended.
”You can’t buy fire insurance on a house that’s already burning,” Lauro said. “Once you’ve started placing deposits, you are potentially at risk of losing them. To get the most of your coverage, we recommend (buying insurance) as soon as you start spending money.”
And while the services of a non-performing vendor can’t necessarily be recovered on the wedding day, having insurance money can still be helpful for peace of mind and potential re-dos.
“If a photographer botches every photo, you can’t get your photos back from that day,” Palomino said. “But you use the insurance money to go get your hair and makeup done, reenact what you can, and take new photos.”
Vendors and Insurance
Lauro and Palomino have nearly identical recommendations when it comes to dealing with wedding vendors.
“Check your contracts,” Lauro said. “Make sure you only use reputable vendors and venues. And use a credit card whenever possible, because you have more recourse if your vendor goes out of business.”
Palomino believes clients should only use the services of vendors who have their own separate insurance policies.
“Ask to see the insurance policy of any planner or vendor,” he said. “Don’t believe them if they say they’ll get it in time for the wedding. They didn’t have it before, why should they get it now? Remember that when it comes to weddings and vendors, you get what you pay for.”
Palomino, who recommends insurance to all of the clients served in his $82 million-per-year business, and instructs each of his 35 wedding planners to discuss insurance with clients, admits wedding insurance still might not be for everyone.
“If your wedding costs less than your insurance policy, you probably don’t need it,” he said. “Otherwise, you need it. If you don’t cover yourself, you’re really leaving yourself out there.”
 Anna Schumann

Friday, March 8, 2013

And some things are better with age..Vintage style weddings


    Antiquity has always had a soft spot in my heart~and we get brides requesting vintage styled weddings often, so I'm in love! I look forward to these weddings from the minute they book~and executing all the details on the special day is AWESOME! 
  Weddings have always represented the melding of the past with the future, and the bringing of two families together, but with a vintage wedding, brides and grooms are taking the idea of relishing the past a step further.
    We all know the wedding tradition of "something old, something new, something borrowed, something blue" that a bride is supposed to wear on their wedding day.  However, when a vintage wedding is being planned, the something old is expanded into much more, with anything from the wedding reception decor, to the wedding dress, to the wedding and engagement rings being authentic vintage collectibles or vintage style replicas. Planning a vintage wedding takes a lot of forethought and research.  The bride and groom need to decide how far to go with the vintage theme, and what parts of their day will be the most meaningful for them and their guests. Decorating for your vintage wedding reception whether it is in a hall or your home, is one of the areas you can be most creative in your use of vintage wedding items.  Finding exactly the right touch for your special day will take some time.  Decisions need to be made as to what vintage look you are searching for, what period of time, what mood.  Budget needs to be taken into consideration.  How much is reasonable to spend on decor as opposed to other wedding reception factors, like food and location. 



If your planning a vintage styled wedding then you may want to contact us for information on our vintage rentals. We have milk glass, knob glass, suitcases, old typewriters, scales, record players, doilies, mannequins, old hats, roller skates, old plates/flatware to mix and match on your guests place setting. We have a vast selection of vases, and tons of miscellaneous vintage finds to add to your  tablescapes. 

    For something new that evokes the bygone Era, then you need to check out....bhldn.com for some awesome vintage finds. They have dresses for brides and bridesmaids, shoes and accessories, decor and gifts. Here are a few of our favorites~









Photos~ BHLDN.com and In Full Bloom Flowers


Thursday, January 31, 2013

Bouquet handle treatments

Let's face it, your bouquet plays an important role on your special day~so let it reflect your personality! Let it shine with a personalized one-of-a-kind wrap!



materials

Garden Twine

If you’re going for garden-chic or rustic elegance, consider jute twine for your handle. When layered and wrapped tightly around the stems, the twine creates a simple and stylish aesthetic.
just bouquets~scott lovely




Velvet
A soft, lush velvet wrap is fitting for a fall or winter bouquet. The texture and vibrant color options make for a luxurious handle.

                                                                           Cori Vanderbeek Heer 





Ribbon

Sure, satin has been done but don’t rule out ribbon altogether. For a simple, classic look, secure a wide taffeta ribbon with pearl pins or get creative by layering gingham or patterned ribbon over a plain, solid color. Bold, elegant, striped ribbons look amazing set against the backdrop of a white gown.
In Full Bloom Flowers~Photographer~Vanessa Joy



Burlap

This increasingly popular fabric speaks to a rustic, backyard wedding vibe. The bold texture and varied widths make it a great choice for a down-to-earth, charming affair.

In Full Bloom Flowers~Photographer~Rebecca Barger

Sentimental Fabrics

If you have lace from your mother’s wedding dress or a handkerchief from your grandmother, bring them to us and we will discuss creative ways to incorporate them into your wrap. Your bouquet is with you through most of the event, making it a nice way to incorporate meaningful items.

In Full Bloom Flowers~Photographer~Jennifer Childress



Techniques

Keep It Simple

Let your flowers shine by asking us to wrap your bouquet in one single, thin piece of ribbon, just enough to hold the stems together. The exposed stems revealed below the ribbon will give the bouquet a soft, loosely gathered feel.

In Full Bloom Flowers

Tie a Bow

Many bouquet-wrapping techniques strategically hide the ends of the fabric or ribbon, but consider having us finish your wrap with a bow, large or small. It’ll add a stylish and playful element.
martha stewart

Leave Nothing Exposed

If you’re not into the idea of exposed stems, request that your florist do a folded fabric end. The stems will first be secured with floral tape and the fabric folded to create a pocket, in which the bouquet will be placed before it is wrapped. This will result in neatly folder material covering the base of the stems


aisle bound design



embellishments

Go Vintage

Embellish your bouquet handle with vintage jewelry, like a brooch or pendant passed down through your family. Pin the piece to the front of your bouquet wrap for an elegant, meaningful, and timeless adornment.

designer unknown

Button It Up

Decorate your bouquet wrap with one large central button or several small, playful ones. Match them to your wedding colors for a cohesive look.
designer unknown

Sport His or Her Initials

Show your love by pinning your honey’s initials to your wrap. Gold or silver initial charms, like these, available for purchase through our shop!

rhonda locke

Add Some Sparkle

Adorn your wrap with rhinestone embellishments or consider a handmade rhinestone cuff from In Full Bloom "Bloom" shop.
designer unknown



Sunday, January 27, 2013

Emerald, Pantone color of the year!


                                        EMERALD, PANTONE COLOR OF THE YEAR

Emerald was the crown jewel of recent red carpets and runway shows, so after careful evaluation of fresh trends in fashion and textiles, Pantone officially unveiled the green hue as their color of the year for 2013. We’re totally on board. It’s radiant, romantic, and completely alive with vibrant energy. We are thrilled to watch for this deep green to show up in wedding details throughout the year. 

Thursday, January 24, 2013

Stationary Basics~getting started


Stationery involves more than wedding invitations - here’s the lowdown on the typical stationery components.
Depending on the nature, size and location of your event, your wedding invitation made not need all the traditional enclosures. Here are some wedding invitation tips to help you decide.

Save the Date Cards

Save the dates are a basic who, what, where, when announcement sent to get the word out to guests so they can make travel arrangements. A fun extra, but only absolutely necessary when hosting a destination wedding, inviting a number of out-of-towners, or taking place during a holiday or other peak time.

Invitations

Your Wedding Invitations are the formal invite sent to all of your guests requesting their presence at your wedding. Invitations can include a number of different enclosures:
  • Outer envelope: Holds all enclosures, formally addressed to the recipient.
  • Inner envelope: Holds all contents of the formal, third-person invitation for protection during shipping.
  • Reception card: Specifies where and when the reception will be held.
  • Response card: On which your guests indicate acceptance or regrets. In self-addressed stamped envelope. Make sure to include an RSVP deadline.
  • Map/Directional: Optional insertion to help guests navigate and arrange for accommodations.

Programs

Wedding programs provide an outline of your ceremony and/or reception proceedings

Thank You Cards

Ordered with invitations - thank you cards are the proper way to acknowledge a guest’s presence, contribution to the wedding, and/or gift

Other miscellaneous stationery items you may need:

Place cards: Designates assigned guest seating at your reception.
Menu cards: Outlines the meal that will be served during the reception.
Table cards: Indicates table number or name.

Check out In Full Bloom's stationary site for that invitation that reflects your personality! You can place your order through our site. If you have questions about placing an order, please call Janene @ In Full Bloom ~609-575-2761

Wednesday, January 2, 2013

Don't forget the little ones!



Flower girls and ring bearers never had it so good. There are TONS of modern alternatives to show off those special little people in your life. The days of baby breath halos and white satin pillows are over.



Let’s start with flower girls… while halos are still popular, brides are deciding to use more modern blooms like spray roses or poms and daisies. Other alternatives for the girls to carry include pomanders (kissing balls), or magic wands. You can use fresh or silk flowers for these, but take into account the age of your flower girl. The weight from the fresh flowers may be too much for the girl to hold comfortably and by the time reception rolls around it may be half gone! IFB traditionally uses silk flowers to prevent this scenario.  Don’t forget glitter. Little girls love glitter! That brings me to glitter girls! Instead of tossing petals, they throw glitter bombs! This, of course is only ideal for
outdoor ceremonies since we all know glitter is nearly impossible to get rid of. 


Signage! Have your flower girl and ring bearer hold a sign that reads “Here comes the bride..” On the back it could read “Happily ever after” or something along those lines….make it personal! It could also be a moment the bride shares with her future hubby…inside jokes? Song lyrics? Anything! Your guests will love the creativity and it’ll be something everyone will remember. 



Typically, ring bearers wear a small boutinierre to mimic the floral theme, but remember those non floral bouts we talked about? This is the perfect opportunity to use them. Especially, if you love them but don’t want to put all your men in non florals. Think about his favorite super hero, video games, anything little boys like…those little green army men can easily be painted to match your d├ęcor. 


Is your ring bearer going to be carrying your rings down the aisle? Instead of those little pillows you could use an old wooden box, a hollowed out book of love poems,  vintage trinket boxes, a birds nest, tie them to a skeleton key, a sea shell…endless possiblites. Make your little man feel really special and call him your “ring security,” give him a little ear piece like the secret service and a cool pair of shades.


So there you have it. Now make it yours!

 In Full Bloom would like to thank those who have helped us collect items for reuse for the Ryan’s Quest Valentine Ball. We are still accepting donations and there are tickets still available for this event. For more info go to www.ryansquest.org

Friday, December 7, 2012

Roar for a Cure!

Pantone announced their color of the year for 2013 yesterday and we are so excited! Emerald green will be everywhere in the upcoming year. This bold, saturated hue evokes rejuvenation, life, and nature. We couldn't be happier as are all you red-heads, I'm sure!

So, in the spirit of "going green" we thought this would be the perfect time to tell you about our newest project. The past few years IFB has been involved with a local charity, Ryan's Quest. This year we are taking on a larger role and designing all of the decor for the annual Valentine Ball. Ryan's Quest raises awareness for children with Duchenne Muscular Dystrophy (for more info click the link.)

The theme for the ball this year is the Roaring 20's. The IFB team has decided to use repurposed and upcycled materials. Utilizing innovation and a keen eye, the team will be creating a setting of which Jay Gatsby would approve.

Common household items like toilet paper rolls, packing peanuts, and coffee filters will be transformed into works of art that will reflect the 1920's philosophy of rebirth.

"We really want to blow people away this year and this is such a worthy cause," said Janene.

If you would like to help by collecting items for reuse, we would love to arrange a pick-up. Or if you would like to purchase tickets, become a sponsor, or donate items for silent auction prizes, contact us or follow the link to the Ryan's Quest website.

This is going to be the event of the year! See you there!