Good call on that one. For the disaster clause he might have been thinking of a situation where the baker was sick or injured and would be unable to deliver. I don't know what he was thinking on the collection fees, unless he routinely gets sued by vendors for non-payment.
Yeah, I didn't care to find out what he was thinking, I figured it was worth a pass.
The thing about the disaster clause is that it basically says that if the cake is already done and ready to go, but something happens to prevent delivery that's out of my control I'm not responsible for that event happening. We tend to get both hurricanes and ice storms, so there have been situations where the entire area was hunkered down while the storms pass through. If that was the situation the wedding would probably be rescheduled to begin with, so the 110% refund for mother nature wasn't going to fly with me.