As Hurricane Milton is a federally declared major disaster, you can claim the damage not covered by insurance (your deductible) as a disaster loss. You can elect to claim the loss in the year the disaster occurred, or in the preceding tax year. You do not need to itemize your deductions to claim the loss.
Personal casualty and theft losses attributable to a federally declared disaster are subject to the deduction of $500 per casualty (but not the 10% of your AGI threshold).
Please read this IRS document for more information.
Please also read this TurboTax blog for more information.
To enter your loss on your tax return, please follow the instructions in this TurboTax Help article.
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