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What if I am underinsured or can’t afford my deductible?
Do I qualify for FEMA assistance? SBA loans?

(FEMA) If the survivor has homeowner's insurance or renter's insurance, of course, we want you to submit that claim with your insurance company first. But we also want to encourage you to apply for FEMA assistance, as you may be eligible for, assistance with those underinsured need and that also includes help with your deductible as well.

(SBA) SBA loans can be used to pay insurance deductibles. SBA offers low interest loans on your damages that are not covered by any insurance or any other recoveries.