The chances of this situation happening are not high but it does happen.

In your situation, I might investigate further to see if their credit was better before these hurricanes.

My options are very limitted and the situation is very draining even I follow the bigger pocket advises and I unvested a lot of time in learning and also have years of experience with tenant.

It sounds like you know how to avoid this in the future, so what to do with the situation at hand?

How do I protect myself in this situation, while also helping a relative? 

For me, I am a little hesitant because I would be in a situation where I would be trying to secure traditional lending (which should be very feasible given credit scores & what $$ amount I am pre-approved up to from my banks), meaning that I assume I would be forced into using my first-time homebuyer loan incentives.

Sam, a property this size falls into a very weird situation where it’s not an individual mobile home but it’s not really big enough to be considered a park. 

We've never had any issues whenever we submitted a claim, and they would take care of the type of situation you're dealing with.  

I am in the same situation as Steve. 

Offering 50% of the cleaning fee for cancellations within 48 hours seems like a fair middle ground.You might want to set up a clear policy with her going forward so everyone’s on the same page for situations like this.