After spending $30,000 and a whole year planning their dream wedding, Jayden Sink and Kimberly Laprad, both 24 years old, were in for a rude surprise.
The couple arrived at a beach house they had rented on Hatteras Island around 4 a.m. in the morning on September 24, after their Airbnb called to warn them of severe weather, according to local station WDBJ7. Within an hour of their arrival, a nor’easter hit the island and took out the only paved road connecting it to the rest of North Carolina.
By then, it was too late for most of the wedding guests to reach Hatteras. North Carolina’s transportation department closed the N.C. 12 highway and reported that about 500 feet of asphalt had been damaged.
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To make matters worse, the venue they booked for the September 25 wedding was flooded and the DJ, officiant, caterer, and photographer all canceled.
“I took every bit of the money that I could possibly come up with this year and invested it into the dream wedding that Kim had always told me that she wanted,” said Sink, knowing that they were not going to get any of their money back otherwise. “So, we were attempting to make this happen, and make it come to life.”
The kindness of strangers in the midst of disaster
Sink and Laprad were stranded, their vendors had canceled, and only a handful of the 45 invited guests made it to the island.
But Laprad made a decision that turned things around.
According to a report by The Washington Post, on the night of September 24, Laprad suggested to Sink to “just invite the whole island.” Sink recalled that “it was supposed to be something that was funny, but it very quickly turned into something that was serious.”
A friend spread the word in local Facebook groups, and Hatteras Island answered.
A campground on the island, Frisco Woods, offered to let the couple use its location as their wedding venue for free on Saturday, September 26, according to WDBJ7. Stacey Saunders, manager of Frisco Woods Campground, stepped in to fill the shoes of the officiant who couldn’t make the wedding.
“In true Frisco Woods fashion, we’re going to host them and have their wedding, and I’m going to officiate because I’m an ordained minister,” she said. “I can’t imagine why we wouldn’t help out. This could be any of us.”
Some vendors who were also stuck on the island, including a caterer and photographer, offered their services.
Sink told WDBJ7: “We’ve gotten photographers that are gonna show up and take our pictures. People are bringing food. Honestly, it is fantastic. It’s the happy ending to the bad story that I was hoping for that I didn’t think would come.”
About 500 to 800 people made it to the wedding, with around 460 strangers signing the guest book.
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How wedding insurance could have made a difference
A wedding can cost lots of money, depending on the plans. According to The Knot’s proprietary data, the average U.S. wedding in 2024 cost $33,000, with couples spending about $12,200 on the venue alone. The Knot’s study also finds that about 67% of newlyweds take on some debt to fund their wedding.
Sink and Laprad saved for a year to afford theirs, and all it took was one storm to wipe out $30,000 worth of wedding money.
This is where wedding insurance comes in. There are two parts to it: cancellation or postponement coverage and liability coverage.
Cancellation insurance reimburses non-refundable deposits when your wedding event is canceled or rescheduled for any of the reasons your insurer covers, which may include severe weather. There’s a higher chance that a weather claim will be paid if the conditions are categorized as a state of emergency, Ed Charlebois, Vice President of Personal Insurance at Travelers Insurance, told Consumer Reports.
The latter, liability coverage, protects you if a guest gets hurt at your wedding, or if there is damage to property.
You can subscribe to either coverage, or both. It is worth knowing that couples can typically secure event liability up to 24 hours prior, but cancellation insurance must be bought 14 days before the event, with weather protection specific to a seven-to-15-day lead time, according to Joy Wedding.
There’s a lesson to be learned from Sink and Laprad’s experience. Not everyone who has been in their shoes gets to have the kind of support that the people of Hatteras Island offered — and it’s better to be prepared than sorry.
As for the Roanoke couple, their wedding became a story that will be long remembered.
“The people on this island have definitely restored our faith in humanity,” Sink told the Washington Post.
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Peace Longe is a financial journalist with over five years of experience covering various finance verticals.
