im sorry to hear this has happened. im surprised its classed as an act of god and is not covered.
I know nothing about these things sorry, I don’t work let alone from home/my own business. I wish I knew how I could help you out.
I think everyone big or small business has suffered to a degree. ive heard of some places going bust through it.
I hope things will get better for you, and that someone can give you good advice.