I live in Craven County NC, a federally declared disaster area (DR-4393). I suffered substantial uninsured loss from flooding.
The 2018 casualty loss form provides for a $500 casualty loss haircut and allows a standard deduction as opposed to being required to itemize with the 10% floor. Hurricane Irma & Maria occurred before 2018. The $500 provision is still in tack in 2018. Turbo tax will not allow me to use the $500 / Standard Deduction option. the software forces me to itemized and take a 10% reduction against my loss.
multiple posts ... this was already answered ... https://ttlc.intuit.com/users/371ae1c3-df76-456f-9ef0-0fa39a5dbdca
Per the IRS 4684 instructions: You can deduct qualified disaster losses without itemizing other deductions on Schedule A. Moreover, your net casualty loss from these qualified disasters does not need to exceed 10% of your adjusted gross income to qualify for the deduction, but only unreimbursed amounts in excess of $500, rather than $100, per casualty may be deducted. <a rel="nofollow" target="_blank" href="https://www.irs.gov/pub/irs-pdf/i4684.pdf">https://www.irs.gov/pub/irs-pdf/i4684.pdf</a>
Switch to the FORMS mode and review the 4684 and the Sch A ... I did a test return and it worked perfectly ... you may wish to delete that section and enter it again fresh.