How about an addition to the contract stating in the event the resort is closed, the space rented is not available and the points used will expire before the reservation can be rescheduled, the owner of the points and the renter of the points shall share the amount paid by the renter. The owner will keep an amount that would be equal to the cost of the dues for those points (include that cost in the contract) and the renter will be entitled to the remaining funds. Then include information noting when the points expire so the renter can decide if they want to continue with the reservation.