When you've experienced a disaster, you'll likely be overwhelmed with everything you'll have to deal with in rebuilding your life. As much as possible, deal with the most important items immediately.
Make sure you leave enough cash value to keep the policy in force or you could get a nasty tax bill.
This is not a time for pride. Allow yourself to accept help from others to help you get back on your feet. Help can come from many places, such as governmental and nonprofit agencies, friends, family, neighbors, churches, your employer and co-workers, even strangers.
They might be able to make payments for you in the short run. Summarize the terms in writing so there won't be any misunderstanding down the road whether this was a loan or a gift.
Allow yourself time to decompress and process what has happened.