Section 312 of the Stafford Act prohibits FEMA from duplicating benefits from other sources, including insurance proceeds. Under 44 C.F.R. § 206.250(c), FEMA deducts actual and anticipated insurance proceeds from other eligible costs. Since the Applicant did not have insurance coverage for the lift station and did not receive proceeds, providing Public Assistance (PA) funding will not duplicate insurance benefits. FEMA’s PA Program and Policy Guide and its PA Policy on Insurance require applicants to take reasonable efforts to recover insurance proceeds. The Applicant provided email exchanges with its insurance carrier showing that it made reasonable efforts to recover potential proceeds.

The Applicant demonstrated it made reasonable efforts to recover potential proceeds. Since the Applicant did not have insurance coverage for the lift station and did not receive proceeds, providing PA funding will not duplicate benefits from another source.

Stafford Act § 312. 44 C.F.R. § 206.250(c). PAPPG, at 39. RP 206-086-1, Public Assistance Policy on Insurance, at 9.