oh yes, the disney cheerleaders at it again...
no rules are set in stone...they are subject to discretion....not necessarily by the first level, but they have someone they can contact to permit exceptions...
just as when i had to cancel a US package 1 day before our arrival, they forgave everything, including the deposit...
obviously the CM had to go up the food chain to get permission, but the exception was allowed...
regarding zika warnings - they are to pregnant women and women planning on getting pregnant....the guaranteed birth defects will occur in the first trimester, when you don't know you're pregnant....and as the OP noted, you probably won't even know you're sick, since it is such a mild disease (other than for a fetus)...
and you can't see the particular birth defect until the 3rd trimester, making abortions a bit of a problem to say the least....so she's absolutely correct in her concerns...
the fact that florida is currently zika free (seemingly), doesn't mean it will be in may....so she had a legitimate reason to have second thoughts about her reservation...