S.G.
A simple change in routine can cause a child to have accidents. My son started having night accidents the week my hubby left for NC for work!! Like you I got tired of changing his bed 4 days a week so I just started putting pull ups on him at night time. Your hubby getting laid off could be a factor in her accidents especially if there is a lot of stress in the home. Kids pick up on that sort of stuff.
What you can do with her is tell her to go potty. Don't ask if she does, make her go in there! Especially if it has been a while since she went last. The day care needs to be pro-active with this as well other wise you may end up spinning your wheels.
Good luck!
S.