They'll go in holding and if you cancel the day of check in you'll lose one day. Not sure about early check in and how that will affect things but it's possible it could cause you to lose all points now and almost certainly will on the day of check in. I agree, I'd call immediately as soon as they open tomorrow. OTOH, I don't believe
DVC should be making exceptions based on personal circumstances but only for system issues like the Hurricanes. However, they have at times in the past and you may want to ask if they will for you in this situation.