the #1 enemy is UV light. albums are closed and the pages are costed - so images are pretty safe.
professional books are hand crafted with profession warrantees. if anything happens to it, and it's a defect, they should replace it. this is part of what you are paying for when you pay for a professional album.
that said, a wedding album... a photographic album is an art book. it should be treated as such. if it's left out on a table to be spilled on and dropped and destroyed by thoughtless handling, then the client may be the problem, not the album. it is a work of art and should be treated with care.

consider the components of the book. primarily paper and leathers. these items are affected by heat and humidity. in that regard they will respond to changes by slightly warping or shifting (normally) because this keeps them from cracking. as far as the folded page, with care, the album should last a life-time - or several.
edit... (this is what i would tell her, since this is how we handle repairs/replacements)
dear mother of the bride,
i am sorry to hear of the fire - what a terrible experience. i hope that you never fall victim to such a situation again.
the professional wedding albums that i offer will withstand a lifetime of enjoyment. they do need to be treated with care, as they are works of art. unfortunately, i do not know of any album that would stand up to the damage of fire or smoke.
all our books are warranteed by the manufacturers against defects, and should your album need to be replaced, we keep all our files archived indefinitely, so that it could be reprinted. we have not had to do this for anyone, however, should the need arise, the replacement album would be created at a substantially discounted rate.
should your book need to be repaired, we will work with you and the album company to have repairs made at a very reasonable cost, as well.
warmest regards,
photog