I doubt they would pay for ship to shore calls. Forntunately, being from the NY area, ground transportation is not one of the things I have to worry about. I know that airlines won't do much for you when you are delayed, but I expect more from a cruise line than an airline.
I really hope weather is not an issue. It was perfect when I cruised to Canada last year (and those are notoriously rough waters). However............I've heard some real graphic stories about weather. And I think if the ship has to travel faster to make up time, the trip can be rougher.