Advice on charter boat captains

Had a very disapointing experience with a charter captain last weekend. The low pressure system that stalled in Louisiana last week gave high winds, rain and dirty water. We had a charter to fish inland (speckled trout) on Sunday and Monday. Forecast was for 15-20 knt. Winds 3-4 foot seas and rain. Went out of hopedale last Sunday and tried the trout fishing. Dirty water and high seas made trout fishing impossible. We resorted to fishing reds in the marsh and we limited out. Next day Monday was calling for higher winds and more rain. I asked the capt. If we could reschedule the trip as we did not want to catch more reds. He informed me thar he was a fishing charter captain not a speckled trout captain and if I wanted to cancel I would lose my $200 deposit. Question is do all captains operate this way? The same thing happened last November with a small craft warning and temps in the 40's I had to forfeit my deposit this time $300 and no trip. When do captains let you reschedule a trip due to bad weather? Been fishing with this captain since 2006 and do 3-4 trips per year at $800 to $1000 each. Would think a repeat customer would be treated better. What do you think? Any experience with this?