Airbnb charged me the full rent plus the guest's c...

Airbnb charged me the full rent plus the guest's commission payable to Airbnb although the guest cancelled 1 day prior to arrival and I have set strict cancellation policy. The guest had a family problem but had not taken out travel insurance so Airbnb decided over my head to refund. I could not re-let the 3 weeks although we are in the main season. Hosts be aware!