That's what I put "and" and not "or" after that part of the sentence. Weather is a big one that they don't usually pay out for. You need to be prepared for that

That's what I put "and" and not "or" after that part of the sentence. Weather is a big one that they don't usually pay out for. You need to be prepared for that to happen, either by being okay with the airport floor or have other ways to fund a hotel stay. FWIW I had United give me a hotel in 2019 after a mechanical issue.