So, I hunted it down and, sure enough, I found the book I was thinking of: SHELTER ME by Alex McAulay.
Then I thought, I better be sure before I post this. Aaannnndd, sure enough, Alea had already found it! Last October! See it here, and browse through her other postings while you're at it. They're very interesting.
See? I should have known better than to try taking on the master!