The loans cover only uninsured losses with a limit of $20,000 for personal property, $100,000 for homes and $500,000 for businesses.

But the federal government does not provide grants to pay for uninsured losses, officials said.

And if there are large uninsured losses to terrorist attacks, the government would probably end up picking up the tab anyway.

The usual procedure in situations like this is for the insured to pay the fee themselves and then claim it back as an uninsured loss.

That included about $700 million through cleanup costs, uninsured losses, and food claims.

American business lost billions of dollars, he said, and "for the most part they were uninsured losses."

CPAs are often required to make further payments for investors and creditors uninsured losses.

The report said incomes were reduced by uninsured losses to homes and businesses from the California earthquake.

The $7,987 that Ms. Robb was eligible for covered only 8 percent of her $105,000 in uninsured losses.

These loans will cover uninsured or under-insured losses.