An emergency or unforeseen contingency is an event that meets all of the following criteria:
(a)
It could not be planned for;
(b)
It is not the result of mismanagement, malfeasance, or willful neglect;
(c)
It is not covered by an insurance policy in force at the time of the event;
(d)
The Assistant Secretary determines that Bureau cannot reimburse the emergency from the facilities emergency repair fund; and
(e)
It could not have been prevented by prudent action by officials responsible for the educational program.