Deductions & credits

Correct, qualified vs nonqualified. You do have a qualified federally declared disaster.

For my example, I will use Hurricane Milton. You may have loss from each hurricane.

1. enter Hurricane Milton, the date, personal property and select Federal qualified major disaster
2. continue
3. select DR, enter DR4834
4. continue
5. enter property description, cost basis, and insurance reimbursement
6. continue
7. FMV before and after loss
8. continue
9. done
10. done

References:

FAQs for disaster victims