As an FYI we did find the cause. We had a similar withdrawal addressed on our 2020 taxes for a smaller amount to address initial damage and repairs due to the hurricane, and made a second withdrawal in 2021. The worksheet did correctly subtract the 1/3 amounts for each year and then add the two totals back for the 5b amount, which should have been less. Unless there is a rule or guidance from the IRS that only allows one withdrawal per storm (which I could not find), then I believe this is correct. I'm still waiting on a response from Turbotax to confirm this.
Thanks for the assistance!
