Hey Kathleen,
Gosh so sorry to hear about your house, that's horrible. Don't panic, you have 4 months, a lot can be accomplished in that time. The hotel takes care of most things so that should help w some of the stress.
If you think about it, compared to other hotels your rates are still good.
For your at home reception, I would suggest possibly a line on your rsvp card which gives them the option to rsvp for the at home reception.
Hope this helps.