Thanks for your answer. We have always gone the day before until this May. What were we thinking? Evidently not thinking.
Glad we bought insurance. We always do. Atlanta airport was shut down for hours and we missed connecting flight after connecting flight. Everything that could go wrong did. Even the aircraft crew were late getting aboard. Then, they couldn't open the airplane door to let us out. It was ridiculous. Awful. We recovered nicely though. Staying in Miami for 2 days and caught a flight to Grand Cayman for the rest of the cruise.