Photographer Woes, need serious advice

*This is long but I seriously need advice*
I shot my engagement photos the first weekend of October. The shoot went well and I got along with the photographer well enough. A few weeks past after and I didn’t hear anything from her, so I sent her a message asking for an update and she looked at it but never replied. Another week or so passes and I I finally get an email from her telling me that her house flooded and a lot of her equipment was ruined, postponing the delivery of my photos. I felt sorry for her of course, and provided she offered a discount to my overall package I told her it was no big deal because I didn’t need the photos immediately. She said it would be AT MOST a month and a half after the email was sent for the photos to be returned. After that point I received no contact from her for the whole span of a month and a half. I finally emailed her when her promised due date passed what was going on. She never responded to the email, so I sent a message a few days later. After the message was read it sat their for a while until I sent another message that she finally responded too. She said the parts will be in soon and she can get the photos to me as soon as they do. I asked her if she knew if it would be days or weeks and she couldn’t give me an (even though she had already promised a timeframe once). She said that if I wanted we could reshoot the session again and receive photos ASAP, but it is not the end of DEC and the middle of winter and I do not want to be out in the cold doing a photo session. I tried to be understanding and civil so I told her the situation must be frustrating for her and that I can wait longer for the photos, but I NEED them by Mid January to order save the dates. I said I NEEDED them by Jan 1st otherwise we can talk about a new shoot or something (even though I don’t want to do one as mentioned). I also told her that I would really appreciate more communication on this matter because it was like pulling teeth to get ahold of her and even this conversation I am mentioning lasted 2 days because of how long it took her to respond. She told me they should for sure be in then and she will keep me updated. Well it is Dec 23rd and that convo happened on Dec 9th and I have not heard from her since. I am extremely worried and stressed about this. At this point I feel like I won’t have pictures for the Save the Dates or engagement photos at all. She is still currently active in her pages, hosting shoots, and returning pictures to other and I don’t understand if she is able to do that, why my photos are not able to be completed. I even wonder if she has my photos at all or if this is some elongated excuse to buy time before the truth comes out. I don’t really feel comfortable with the communication still and no effort has been made to improve it. I am thinking in just hiring a new photographer but that doesn’t change the fact I don’t have engagement Photos. I also don’t know if I can be refunded what I have already paid because of the “Responsibility” clause in the photo contract stating “the photographer is no responsibility for acts of God, atrial disaster, accidents etc.” but it also states that in such situations, the photographer will find a new photographer for the client and basically fix the problem. I feel as though this “accident” isn’t something that is incapacitating the photographer altogether, I just feel like she isn’t doing a good job and isn’t completing her end of the contract by providing me the product I am paying for in a timely manner.
At this point I don’t know why to do. I don’t really feel comfortable or that there is a relationship of trust between my photographer and I and I don’t want something similar to happen for my wedding photos and lose everything. I tried to be completely understanding and give her time and patience and I thought she would have been sincerely more apologetic, communicative, and open abut the situation but I’ve been in the dark, even after asking for better updates and communication. I am a small business owner myself and know how important it is to have quality customer service and I feel I have no received that at all.
The main thing I’m asking for is advice on how I should approach this situation. Should I confront her about everything, should I cancel my services without a refund and not have engagement photos? Am I deserving of my money back? Or should I just keep her and hope for the best?
Help!
-Bride who is pulling her hair out