Stafford Act 312 prohibits FEMA from providing assistance to any entity for any loss for which financial assistance has already been received from any other program; from insurance; or from any other source.The Stafford Act does not define “insurance.” However; based on the ordinary meaning of “insurance;” the Applicant subsidiary policy with PTIC constitutes insurance.According to the PA Guide and City of Chicago v. FEMA; the Stafford Act 312 applies to a duplicative benefit for the same item of work from “any other source;” including a private contract where consideration was given for a benefit incurred.

44 C.F.R. § 206.250(c).Catholic Bishop of Chicago; FEMA-1800-DR-IL; 18 PWsPA Guide; at 41.HeadnotesStafford Act § 312 prohibits FEMA from providing assistance to any entity for any loss for which financial assistance has already been received from any other program; from insurance; or from any other source.The Stafford Act does not define “insurance.” However; based on the ordinary meaning of “insurance;” the Applicant’s subsidiary policy with PTIC constitutes insurance.According to the PA Guide and City of Chicago v. FEMA; the Stafford Act § 312 applies to a duplicative benefit for the same item of work from “any other source;” including a private contract where consideration was given for a benefit incurred.