Do me and my spouse have to file jointly since our house burned down and we both got paid insurance money but my name was not on the deed to the house?

jragan1216 — Mon, 23 Feb 2026 12:28:10 GMT

House burned down in July and my name isn’t on the deed but we both were on the insurance and got paid the insurance money for it. We have both been filing separately since we are both military.

Re: Do me and my spouse have to file jointly since our house burned down and we both got paid insurance money but my name was not on the deed to the house?

Carl — Wed, 15 Feb 2023 20:46:32 GMT

You can file separately if you want. The house burning down and insurance payout has no effect on how you file. But why would you not want to file jointly?

Re: Do me and my spouse have to file jointly since our house burned down and we both got paid insurance money but my name was not on the deed to the house?

xmasbaby0 — Wed, 15 Feb 2023 20:48:12 GMT

Not sure why you think the house issues affect your ability to file a joint return.

If you were legally married at the end of 2022 your filing choices are married filing jointly or married filing separately.

Married Filing Jointly is usually better, even if one spouse had little or no income. When you file a joint return, you and your spouse will get the married filing jointly standard deduction of $25,900 (+$1400 for each spouse 65 or older) You are eligible for more credits including education credits, earned income credit, child and dependent care credit, and a larger income limit to receive the child tax credit.

If you choose to file married filing separately, both spouses have to file the same way—either you both itemize or you both use standard deduction. Your tax rate will be higher than on a joint return. Some of the special rules for filing separately include: you cannot get earned income credit, education credits, adoption credits, or deductions for student loan interest. A higher percent of your Social Security benefits may be taxable. Your limit for SALT (state and local taxes and sales tax) will be only $5000 per spouse. In many cases you will not be able to take the child and dependent care credit. The amount you can contribute to a retirement account will be affected. If you live in a community property state, you will be required to provide additional information regarding your spouse’s income. ( Community property states: AZ, CA, ID, LA, NV, NM, TX, WA, WI)

If you are using online TurboTax to prepare your returns, you will need to prepare two separate returns and pay twice.

https://ttlc.intuit.com/questions/1894449-married-filing-jointly-vs-married-filing-separately

https://ttlc.intuit.com/questions/1901162-married-filing-separately-in-community-property-states

https://ttlc.intuit.com/questions/1894449-is-it-better-for-a-married-couple-to-file-jointly-or-separately

topic Do me and my spouse have to file jointly since our house burned down and we both got paid insurance money but my name was not on the deed to the house? in Deductions & credits

Do me and my spouse have to file jointly since our house burned down and we both got paid insurance money but my name was not on the deed to the house?

Re: Do me and my spouse have to file jointly since our house burned down and we both got paid insurance money but my name was not on the deed to the house?

Re: Do me and my spouse have to file jointly since our house burned down and we both got paid insurance money but my name was not on the deed to the house?