House was deemed totaled,200k in loss. Do I need claim all 200k this year or can I split it every year to eliminate my tax liability say 50k each year for next 4 years?

House was flooded during Hurricane Irma , 200,000 in loss after insurance payments. We only claim 70,000 income. Can I only claim 70k in loss to zero out taxes and then claim it every year until I reach the 200k loss?