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Sorry. Losses to property caused by casualty incidents are not tax deductible, unless the loss occurred due to a federally declared disaster.
(If this was a severe storm that was designated a federal disaster, there are additional rules we need to discuss.)
The deduction for personal casualty or theft losses has been repealed in tax years 2018–2025, unless the loss occurred in a federally-declared disaster area.
If your casualty was a direct result of a natural disaster, and you live in a federally declared disaster area, you may be able to take a tax deduction for the value of the property that's not covered by your insurance.
Note: If you're not able to claim your casualty loss, keep the records so when you sell, you'll be able to offset a portion or all of the gain (if any) on the sale of your personal residence.
Related information: IRS Topic 515 - Casualty, Disaster and Theft Losses (Including Federally Declared Disaster Areas)
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