years ago we owned and had banked weeks from our Navarre Fl TS, which was later hit with a hurricane , months after having deposited them, Rci simply sent an email and removed our banked weeks. I believe later they added cut rate certificate for the # of weeks, which was pretty worthless, however it was at least the thought ... but it doesn't seem right they they are protected both directions.
as far as for insurance.. it seems if I am unable to go, or die or get sick, insurance may or may not cover ... however if the landlord cannot supply something which they have sold, and not the renters fault, well they should have the insurance
this is not a very big thing as things go, and not a real problem , but thought I would just ask, inquire.. Thanks for any input and thoughts... John