The program is handling it correctly. First, work it through and enter either personal losses or business losses. One or the other. Let's say you take the personal loss first. So work that through. When you get to the "Property Summary" screen, you're not done with that item. Click the DONE button anyway. Now you'll see the button at the bottom left for "Add a Casualty or Theft". Select it, and report the business loss now.
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