Woot! Looks like we'll get a credit for our bed-and-breakfast payment after all.
FT called again today; this time she got the husbandly half of the innkeeper team. She explained our kids' tale of earthbound woe in Florida; she mentioned our love of the Leelanau area, our frequent visits there and our hope that we might find reliable lodging for future excursions. He immediately said he'd make things right, then changed our reservations to a two-night stay, for just the two of us, in the autumn...when we were planning on traveling up north again anyway.
I'm not sure if we've just been good cop/bad-copped, or whether one innkeeper is really more empathetic to the vicissitudes of life than the other. But we're grateful.