Q: ARSON: New home being built, no insurance coverage when someone burned it down. Total loss. ????
No one was hurt, or there at the time. We were coming home from vacation, and have a hunch who may have done this, but no real proof. Not enough, anyway, but to me, it checks out. Just not to police. This was a home we were totally redoing, so tools/ladders and tons of new wood, doors, windows, tubs, etc were gone. All to ash. Total loss because father had not yet put insurance on it yet. Was going to right after we got home. A little too late. I just hate pretty much knowing who did it, but there's nothing more I can do. Maybe this question shouldn't even be asked, because I doubt there's anything we can do about it. This happened in May 2015. Very scary for a small town like ours.
A: If you had a contractor their insurance might cover. Talk to your CPA about a big casualty loss deduction on your tax return--may have to file an amended (for 2015) if you didn't claim it
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