Even though our trip was not yet officially cancelled by The Moorings, we were fully paid so they switched us to next year without any change fee. There was a slight increase in the boat coast ($5 I think) and the rooms ($5 a night) but the agent got all of that waived without any prompting from me. Obviously they'll have use of my money for a year and even Moorings can go broke, so this takes a bit of faith on my part. After 13 trips with them, including one 10 months after Irma, I've been pleased with their response and wish them the best for the next year.