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As the Co-Founder and Chief Technology Officer of Epic Systems Tech, an elite Control4 dealer with a certified showroom, Joseph Caravella leads a team of highly skilled professionals dedicated to delivering premium, tailor-made solutions in audio-visual systems, lighting, shading, and automation for both residential and commercial clients in New Jersey and New York.
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Disasters like wildfires, floods, hurricanes, and earthquakes are making headlines more than ever. When severe damage occurs, the President may issue a federal disaster declaration — unlocking IRS tax relief to help victims recover financially.
Declared disaster victims may deduct uninsured losses on their tax returns, within certain limits. The IRS also automatically extends tax deadlines by 60 days, and often up to one year.
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Thanks to 2024 legislation, most wildfire-related payments from 2020 to 2025 are tax-free. Taxpayers who previously paid tax on these may file amended returns — even for 2020 and 2021 — until December 12, 2025.
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Casualty gains (when insurance exceeds property value) can be deferred if you reinvest the payout in repairs or replacements within two years — or four for a main home. Total home loss may also qualify for a gain exclusion of up to $250,000 ($500,000 for joint filers).
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