Stafford Act § 312 prohibits the duplication of benefits between insurance and Federal funding in the provision of disaster assistance. 44 C.F.R. § 206.250 requires the deduction of actual and anticipated insurance from otherwise eligible costs.Costs for eligible work items not covered by insurance may be eligible for funding. With its appeal, the Applicant provides actual expenditures and proof of purchase to support $129,087.95 in additional funding.This amount was incurred to replace fine arts property in excess of scheduled limits or for items excluded from coverage by policy. Although it substantiated the appealed amount, FEMA cannot approve additional funding without review of all actual costs for the other fine arts property not appealed for which grant funding was also provided.Further, all final costs must be reconciled at closeout.

: On second appeal, the Nashville Symphony Association (Applicant) has provided additional documentation demonstrating that certain losses were not covered by insurance and that additional funding is eligible contingent upon reconciliation of all actual costs and satisfactory closeout.

Stafford Act § 312. 44 C.F.R. § 206.250. Public Assistance Guide, at 122.