# 119-hr-481: Protecting Homeowners from Disaster Act of 2025

119-hr-481, Protecting Homeowners from Disaster Act of 2025, is a 119th Congress bill sponsored by Rep. Brownley, Julia [D-CA-26] (D-CA); status introduced; PRIA reads it as touching household money (as of 2025-12-21).

- Canonical: https://policyrisk.com/legislation/119-hr-481
- As of: 2025-12-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-481
- Congress: 119
- Title: Protecting Homeowners from Disaster Act of 2025
- Status: introduced
- Introduced: 2025-01-16
- Sponsor: Rep. Brownley, Julia [D-CA-26] (D-CA)
- Cosponsors: 1
- Policy area: Taxation
- Touches household money: yes
- Last recorded action: 2025-12-21

## Summary

**Restores the itemized tax deduction for unreimbursed personal casualty losses.** The bill would repeal the provision that limited that deduction to losses tied to federally declared disasters for tax years 2018–2025 and would apply to losses sustained in taxable years beginning after December 31, 2024. Homeowners and other taxpayers who suffer uninsured or unreimbursed casualty losses could again claim those losses on their itemized returns under existing deduction rules.

## Cosponsors (1)

- Rep. Hoyle, Val T. [D-OR-4] (D-OR), 2025-02-11T00:00:00.000Z

## Provisions PRIA read

- Bigger tax deductions for disaster losses: benefit, high. If enacted, this would remove a tax code limit on personal casualty loss deductions. Homeowners and renters with qualifying disaster or casualty losses could deduct more of their losses, lowering taxable income. You would need to itemize your deductions to benefit. The change would apply to losses…

## Related bills

- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-6900: American Affordability Act of 2025
- 119-hr-3077: Agriculture Resilience Act of 2025
- 119-hr-7977: Energy Bills Relief Act
- 119-hr-7973: Momnibus Act
- 119-hr-3971: Domestic Workers Bill of Rights Act

## Sources
- [119-hr-481 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/481)

## Related
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [119-hr-6900: American Affordability Act of 2025](https://policyrisk.com/legislation/119-hr-6900)
- [119-hr-3077: Agriculture Resilience Act of 2025](https://policyrisk.com/legislation/119-hr-3077)
- [119-hr-7977: Energy Bills Relief Act](https://policyrisk.com/legislation/119-hr-7977)
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-3971: Domestic Workers Bill of Rights Act](https://policyrisk.com/legislation/119-hr-3971)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-481 (as of 2025-12-21).