Really? You're going THERE? With IRMA?
There's more to it than the damage to condos (or lack thereof). There's major upheaval in the area - I know, my family lives in Miami, outside of Tampa, and throughout a few other places in Florida. There are places throughout the Miami area STILL without power. Many airlines are STILL not flying into MIA. Miami Beach is horribly bad condition! The first flights only re-started on Tuesday! Many guests come to experience the area and they have the right under AirBnB's existing policies to talk to them about cancelling.
I understand this affects hosts...but if we had an earthquake in the Bay Area that didn't damage where I am but *did* damage where the guests wanted to be - I would expect the guests to cancel - and I would happily let AirBnB refund.
Look beyond your own financial discomfort - into what others are experiencing and then rethink your position, @George240!