Greetings @edward crouse
So sorry for your loss. Fortunately the IRS is providing some tax relief for losses that are non reimbursed.
You can claim casualty losses on either the tax return for the year the loss occurred(in this case the 2022 tax return filed in 2023) or the loss can be deducted on the tax return for the prior year. This also includes personal property losses not reimbursed or covered by insurance.
Be sure to write the following FEMA declaration number on any return claiming a loss:
- DR-4673-FL for Florida
- DR-3585-EM-SC for South Carolina
- DR-3586-EM-NC for North Carolina
Here is an article for additional information: Hurricane Ian Relief
Wishing you all the best!