Self-employed with a chimney fire

I bought a house last July 7. On December 2, I had a chimney fire. I am self-employed (notary/notary signing agent and freelance editor/desktop publisher).

 

Please correct me if I'm wrong...

 

As far as I can tell, nothing associated with my fire is deductible because it wasn't a "declared" casualty.

 

I live in Colorado. My house froze since asbestos was found and no plumber would go in to blow out the pipes (don't get me started on all that). 

 

So far, Allstate has paid for almost everything. They didn't cover $8,600 of the structure portion of the asbestos abatement. And they won't pay for my conversion to a gas insert even though the fire was caused because the fireplace/chimney was built too close to the house. I don't have that in writing because Allstate didn't request the fire inspector write one, so I don't know what he told them. No one is talking. While the fire inspector told me the fireplace/chimney/mantle/hearth must be torn out and replaced, the restoration company (I don't know what Allstate told them either) called in a chimney sweep who plans to repair the chimney (the top as far as I can tell from the estimate), remove and replace the insert liner, and clean and reinsert the now-rusted wood fireplace insert (it was new, being installed days before closing, when I moved in). I'm not burning wood in that insert if they won't fix the cause of the fire. 

 

If my printers and scanner didn't survive the freeze (that is TBD), Allstate should replace those. I don't know about the folders/envelopes/printer paper. But, I can't imagine they survived being frozen, thawed, frozen, thawed, over and over again, not to mention pens and printer ink. I haven't looked yet. 

 

Most (if not all) of what I paid that won't be reimbursed I paid in 2023. 

 

As for work, I didn't work at all last year. I have Fibromyalgia and an unknown cause of mind-numbing fatigue. It's complicated. But suffice it to say that I must pace myself when doing anything physically and mentally. My life is exhausting. After I sold my house in August 2021, I did one more job. I was homeless, living 5 months in a hotel with 2 large dogs (walking them a dozen times a day was exhausting), then living in two vacation rentals (being a freelancer, I don't have a "monthly" income). I haven't worked since.

 

After I bought the house last year, I had the first of two long-awaited hand surgeries. I was going to finish unpacking then contact my current clients and put myself out there for new clients until summer when I planned surgery #2, but I had a fire instead. Since then, I've been moving from rental to rental while my house is slowly being restored. I couldn't do any closings because my laser printer and scanner were in the house. I briefly thought about taking them with me before the asbestos was found, but in hindsight, I'm glad I didn't. I just moved into rental number 7! I'll move at least once more before I get to move back home. I wouldn't have had the energy to do closings. If any of my editing clients had called, I would have forced myself to work. But they didn't, and I didn't have the energy to look for other clients. 

 

Anyway, I want to confirm that nothing from that fire (including loss of income) is deductible.  Technically, the fire didn't stop me from working my editing job if someone had called or from contacting possible clients. My disability did.  God, this all sucks.

 

Thanks.