A player is responsible to protect their cards at all times.
If a dealer accidentally kills 'unprotected cards,' a player will have no redress and will NOT be entitled to a refund of bets. However, if that player had raised and the raise had not yet been called, the raise will be returned to that player. On occasion, a Floor Person or the Tournament Director, at their sole discretion, may rule that unusual circumstances may have occurred and the ruling may dictate a decision in the interest of fairness and will take priority over the technical rule.