anybody know if metal roofs qualify for the tax credit? my roofer is pushing me to go with metal saying ill get tax benefits but its $5k more expensive than regular shingles... worth it?

Really appreciate all the detailed info here! I'm the OP and this has been super helpful. Sounds like my regular architectural shingles from the storm damage replacement probably don't qualify, but I'm definitely going to check with my contractor about what exactly was installed. One follow-up question - if I find out my roof replacement doesn't qualify for any credits, are there other home improvements from storm damage that might? I also had to replace some siding and a few windows after the same storm. The insurance covered most of it but I paid about $3,000 out of pocket total. Just want to make sure I'm not missing anything else that could help with my taxes this year!

I'm currently going through this exact same situation and wanted to add some additional insights for anyone else dealing with Letter 2645C. I filed my 2023 return on January 28th and received my first verification letter on March 15th. What I've learned through multiple calls is that the third-party verification process varies significantly based on your specific circumstances. In my case, I had income from both traditional employment and freelance work, plus I moved states during 2023. The IRS rep explained that multi-state filings with mixed income sources often trigger the most extensive verification reviews. One thing that hasn't been mentioned yet is that you can actually request a copy of your "verification worksheet" that shows exactly what's being reviewed. You have to specifically ask for it, and not all representatives know about this, but it can give you much more detailed information about what's causing the delay. I've also found that calling first thing Monday morning (around 7 AM local time) significantly reduces wait times. I've gotten through in under 30 minutes several times using this approach, compared to 2-3 hour waits during peak times. Currently on day 95 since filing with no resolution yet, but having realistic expectations thanks to posts like this has definitely helped manage the stress. Will update when I have more news!

Thank you for starting this thread and providing such detailed information about the 2645C verification process! I'm currently experiencing this exact situation and your post has been incredibly reassuring. I filed my 2023 return on February 3rd and received my first 2645C letter on March 20th. Like you, I was initially told it would be a 60-day process, but after reading your experience I called back and confirmed they actually need 120+ days for the third-party field verification. What's been most frustrating is the lack of clear communication from the IRS about what's actually happening. The representatives I've spoken with have been polite but couldn't provide much detail beyond "your return is under review." Your explanation about the third-party company physically visiting employers to verify employment and income finally makes sense of this whole process. I'm currently on day 52 since filing and checking the "Where's My Refund" tool daily (even though it just shows "still processing"). Based on your timeline and others who have commented, it sounds like I'm still in for several more months of waiting. One thing I'm curious about - did you notice any specific updates or changes in your online IRS account before the verification was completed? I'm wondering if there are any early indicators that the process is moving forward. Really appreciate you taking the time to share your experience and promising to provide updates. This kind of real-world information is exactly what people going through this stressful process need to see!

One thing nobody's mentioned - if you carried back your 1256 losses, make sure you ALSO adjust your state tax return if your state bases income on your federal AGI. I forgot to do this and ended up getting a notice from my state tax authority about a discrepancy.

For anyone still struggling with 1256 contract loss carrybacks, I want to emphasize the importance of timing your election properly. You must make the section 1212(c) election by the due date (including extensions) of the return for the loss year - in your case, that would be the due date for your 2023 return. If you missed this deadline, you can't carry back the losses even if everything else is correct. This is a strict requirement that trips up a lot of people. The IRS won't accept a late carryback election even if you file an amended return later. Also, remember that you can only carry back losses to years where you had section 1256 contract gains OR other income. If 2022 was a loss year for you overall, the carryback might not provide any benefit and you'd be better off carrying the losses forward instead. Make sure to keep detailed records of all your SPX options trades, including the specific contract months and strike prices, as the IRS may request this information during their review process.

This thread has been super helpful! I'm in a similar boat - moved in November and filed with my new address in January. Based on what everyone's shared, it sounds like the timing of when your return gets processed versus when they generate the verification letter is the key factor. For anyone else reading this, here's what I'm taking away from all these experiences: 1. Set up USPS mail forwarding ASAP if you haven't already (seems like this saved several people) 2. Check your tax transcript online to see if a letter has been issued 3. Don't wait too long - if it's been 2+ weeks, be proactive and contact the IRS 4. Online verification might be faster than waiting for the letter anyway Thanks to everyone who shared their real experiences - way more useful than the generic IRS website info!

Great advice from everyone here! I just want to add that if you're still within the IRS processing timeframe and haven't received your verification letter yet, you can also call the Practitioner Priority Service line at 866-860-4259 if you have a Power of Attorney on file, or use the general taxpayer line. One thing I learned the hard way: even with mail forwarding set up, some IRS correspondence is marked "Do Not Forward" and will be returned to sender instead of being forwarded to your new address. Verification letters usually DO get forwarded, but it's not guaranteed for all IRS mail. Also, if you do end up needing to update your address and you're expecting a refund, make sure to also update your direct deposit information if your bank account changed with the move. Nothing worse than having your address sorted out but then having refund issues because of outdated banking info!

I've seen this "INFO" status quite a bit this tax season - it's definitely more common than usual. The fact that your 2021-2023 years all show $0.00 is actually a good sign because it means your account history is clean and there aren't any underlying compliance issues. The adjustment message for 2024 is likely just their standard language when a return is still being processed or validated in their system. One thing to keep in mind is that even simple returns can trigger this status if there were any data matching issues (like W-2 forms not fully updated in their system yet) or if you claimed certain credits that require additional verification. Since we're still early in tax season, their processing volumes are high and everything is moving slower than normal. I'd suggest checking your transcript again in about a week. If it's still showing "INFO" after 3 weeks from your filing date, that's when you might want to call their customer service line, though as others mentioned, they'll probably just tell you to wait longer anyway.

I've been dealing with tax issues for years and this "INFO" status is actually pretty normal during peak filing season. The IRS systems get overwhelmed and returns that would normally process in a few days can take weeks. Since your transcript shows clean $0 balances for 2021-2023, you're clearly in good standing with them. The adjustment message is just their catch-all explanation when they can't display current balance info - it doesn't necessarily mean you requested an adjustment. Could be anything from routine verification checks to their computers being slow. I'd wait at least 21 days from your filing date before getting concerned. If you're really anxious about it, you can try calling the automated transcript line (1-800-908-9946) in a week to see if anything's changed, but honestly just checking online every few days is probably your best bet.