Help with a Federally Declared Natural Disaster Casualty Deduction

My home was recently hit by a tornado in 2023 and is a federally declared disaster area. I filed an insurance claim for the damage, but they have yet to fully reimburse my losses. When filling out the section 'Casualty & Theft' in TurboTax, it asks for Insurance Reimbursement amount.  I'm fighting with insurance so my payments to date are far off what we've claimed (We've gotten $35k, claimed $208k in damages). 

Does anyone know the proper process to handle this kind of situation when the disaster year doesn't line up with the insurance reimbursement year?  If I put in the info as it stands today (where I've received $35k out of $208k in losses), it adds $30k to my refund which seems wrong.  The IRS indicates to report reimbursements I “expect to receive” so if I was expecting to receive the full 208k in 2024, should I just report the disaster this year then match my 'expected' insurance reimbursement to my loss (i.e. $208k in expected reimbursement offsetting the $208k in losses), then adjust in 2024 as needed? Then in processing that adjustment in 2024, would I amend my 2023 taxes or just wait until I file my 2024 taxes?

 

Much appreciated!