I’d be open to a change fee as a compromise, just don’t know how to approach it or what rate would be fair.
Not knowing exactly what you paid, I would offer the homeowner a change fee that is around 10% with the promise that you'll rebook your full number of days with them. Just a thought. That way, they are giving up 40% but have the potential to gain 90%. Did I explain that right?
Good luck with your conversation. If you're on Tortola, stop by and see us in Cane Garden Bay when you make it back! Cheers.