Is there any way for me to claim either by suing the insurance, suing the other insurance or deducting this as a loss on my state and/or income tax?

Consult your tax advisor for exact details on the deductibility as this is not a legal question but a tax question. Michael G. Heilmann Licensed in FL, MI and CO Attorney at Law Note new address 23394 Goddard Rd. Taylor, MI 48180 734.307.3800 office 734.347.8888 cell 866.270.8438 e-fax 855.2.DIALAW toll free This e-mail message and any attached files are confidential and are intended solely for the use of the addressee(s) named above. If you are not the intended recipient, any review, use, or distribution of this e-mail message and any attached files is strictly prohibited. This communication may contain material protected by Federal privacy regulations, attorney-client work product, or other privileges. If you have received this confidential communication in error, please notify the sender immediately by reply e-mail message and permanently delete the original message.

I understand that you can deduct losses not covered by insurance. I don't know the annual limit.