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Hello, I'm Robin. Welcome to JustAnswer. I'm reviewing your question now and typing up my reply. I'll post that in just a few moments.
The IRS doesn't count insurance payouts as income -- they're a reimbursement for the money or property value you lost.
If the amount you received in insurance or other reimbursement was more than the cost or other basis of the property, you have a taxable amount but generally no, this is not taxable even if you used it to pay mortgage.
I hope that was clear but let me know.