As tropical storm Florence leaves us, attention has turned to recovery.

The state office of the Small Business Administration has provided information for small businesses and individuals experiencing property loss.

The first step for everyone is to contact your insurance company to see if the damage, especially if it is due to flooding, is covered.

If your private insurance does not cover damage due to flooding, your next step would be to seek federal aid.

President Trump issued a disaster declaration for South Carolina. That allows federal grants to be used from the Federal Emergency Management Administration which do not have to be repaid.

Only SBA low-interest disaster loans are available to small businesses. These loans must be repaid.

Homeowners and renters should apply as soon as possible after the disaster, even if you’re not sure you’ll need or want a loan.

If SBA cannot approve your application, in most cases it will refer you to FEMA to be considered for additional assistance.

Individuals seeking assistance can apply online at www.sba.gov, in person once SBA Disaster Recovery Centers open, and by mail. Call 1-800-659-2955 or email disastercustomerservice@sba.gov .

Additional information is available at ww.wsba.gov/disaster .