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Level 2
posted Jan 19, 2023 2:07:24 PM

I live in Florida and sustained damage from Hurricane Ian. Can I write off what my insurance would not cover? Where do I go on TurboTax to find this.

Is there a limit of the dollar amount I can write off?  My house was livable, but I had to pay to get the pool cage repaired and screens.  Florida is a state that I do not do state taxes.  

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1 Best answer
Expert Alumni
Jan 19, 2023 3:12:04 PM

In order to claim a credit for the damage sustained from Hurricane Ian, you would need to Itemize your return instead of taking the standard deduction

 

In the deductions and credits section you would scroll down to Other Deductions and Credits, then click Start next to Casualties and Thefts.  You will walk through the questions entering information about your loss.

 

If your loss from Hurricane Ian and other Itemized Deductions, such as mortgage interest and medical expenses in excess of 7.5% of your AGI are greater than your standard deduction and you have taxable income, you may see a decrease in your tax liability.  If you already have $0 in tax liability, you will not see a difference in your refund as this is a deduction from income and not a refundable credit. 

2 Replies
Level 15
Jan 19, 2023 3:03:04 PM

Personal use property?

 

You cannot deduct repairs if that is the case, but you may have a casualty loss.

 

See https://www.irs.gov/instructions/i4684#en_US_2022_publink12998zd0e53

Expert Alumni
Jan 19, 2023 3:12:04 PM

In order to claim a credit for the damage sustained from Hurricane Ian, you would need to Itemize your return instead of taking the standard deduction

 

In the deductions and credits section you would scroll down to Other Deductions and Credits, then click Start next to Casualties and Thefts.  You will walk through the questions entering information about your loss.

 

If your loss from Hurricane Ian and other Itemized Deductions, such as mortgage interest and medical expenses in excess of 7.5% of your AGI are greater than your standard deduction and you have taxable income, you may see a decrease in your tax liability.  If you already have $0 in tax liability, you will not see a difference in your refund as this is a deduction from income and not a refundable credit.