Casualty loss/gain reporting

[LSTAX]

I have a last minute issue to resolve and appreciate any help.  Taxpayer had a flood in her art studio and received insurance payouts of $20,000.  She has invoices that she submitted to insurance for materials and labor to repair the studio (she rents so the assets are not hers) she also billed for costs to repair some of her paintings.  She also invoiced for loss of work.  Does this go on her schedule C or form 4684?  If she actually paid for the expenses noted would I simply add the insurance proceeds to schedule C and deduct expenses she actually paid?  Does reimbursement for loss of work even factor in?  She says the claim was shifted to a renters claim not a business claim by the insurance company and I'm not sure if that factors in.