I was just looking at the wedding insurance article here on TK.
Right before the ceremony, Brittany's gown catches a gust of wind. Unfortunately, the tulle dances right over to the end of Uncle Howard's cigar and the dress instantly goes up in flames. Fortunately, the right insurance policy covers the replacement of the veil and gown.
**I hope Brittany wasn't wearing her gown when this happened! That would be bad!