Well, some people do know their damage. Also, no one has to file an insurance claim if the loss is less than the deductible.

I just want to know which type of deduction they are qualified for. Tax returns aren't due here until June 15th to begin with.

If Texans are stuck with the 10% rule and having to itemize, I will have a lot of clients who will not have losses in excess of 10% of AGI. I can tell these clients not to worry about keeping the details.

However, if they are entitled to the qualified disaster loss rule, then most clients will qualify and they need to get all the documentation and receipts together so it can be applied to their return.

At whatever time they file.