You are correct TurboTax does not handle a safe harbor election for the Fair Market Value of a personal use residence or personal belongings loss due to a federally declared disaster. Not attaching a statement does not preclude you from using a safe harbor method. TurboTax asked you to provide a FMV before the loss and after the loss per item. Assuming you have the supporting documentation for those numbers you are good to go. Just show them if ever asked.
The safe harbor methods generally allow you to aggregate the decreased FMV for your personal residence property (all buildings and grounds) as one item. The same opportunity exists for all of your personal belongings. You could do that instead of separate entries for each item.
Next, not having an election statement attached does not mean your return will be audited. On the flip side, a return with a safe harbor election may still be audited and still must show the safe harbor supporting documents. The safe harbor election statement only says the IRS will not challenge the FMV calculation if one of the safe harbor methods is used. The taxpayer still must have/show the substantiation documents for the method used.
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