Rebuild Bob’s roof blown off by Zeta. No ins

Bob and I are 73 years old. We bought our fixer upper home in Mississippi. Bob developed prostrate cancer, so everything was put on hold. Then we had the covid that kept us in place. Zeta hit back in October. Our yard was hit hard as well as our roof was wiped off the house. The yard work cost us $9,000 and the tarping of the roof was $2,500. We used our credit card to cover that expense, but the roof is going to take $20,000 to rebuild and shingle. We are planning on doing the work ourselves to save money. In the mean time, we have mold building up in the house. Because the house needs so much work, we stupidly did not insure the house. Right now it is considered our secondary home we can’t collect anything from fema or any catastrophic incident fund. Plus you would think at 73 we would have some money saved, but that is not the case. We have always taken care of everyone else. If you could help, we would appreciate it so much.