You may want to consider waiting and filing an extension until you get the numbers from the insurance company. Since you were in Milton and Helene, you have until May 1st to file an extension. You will need to paper mail it as it can no longer be e-filed.
If you would get insurance or FEMA reimbursement after you file, you would either need to amend your return or claim the reimbursement as income on your 2025 return if you receive the reimbursement this year.
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