The Ship Replacement Program helps pilots recover from ship losses sustained in alliance fleets. The approved amount will be deposited directly to the toon that incurred the loss. SRP is not a 100% free replacement; it's a financial aid to offset your losses.
The SRP team's goal is to provide SRP, not to find reasons to reduce. Penalties exist to maintain fitting standards, not to gatekeep. We participate in fleets ourselves, so we understand the realities: fast reshipping, market gaps, and FC called changes. When in doubt, submit your claim and use the notes field. We'll take context into account.