First, either maintain comprehensive travel insurance which includes a broad "interruption" provision or be prepared to pay this out of pocket every once in a while. Travel insurance is pretty cheap and there are many other features of most policies which make it worthwhile. Be certain to read the policy language itself, do not rely on the marketing stuff and certainly not what any phone agent tells you. While there is no coordination on benefits, most policies contain a provision which permits the insurance carrier to require you to provide a letter from your air carrier providing that certain benefits were not provided and were not offered and declined. Air carriers generate those on requests on demand. You will find that these are most often requested for flights covered by EC 261/2004 where the carrier has a "duty of care."
Second, if you call a property directly (not the toll-free or local reservations line) and it is late enough and there is availability, you may find some very good rates as an on-duty manager has every incentive to get rid of rooms he won't otherwise sell. Consider whether you want the Marriott at a deep discount (no benefits/perks) vs. some dump for free (voucher).