This legislation amends the Robert T. Stafford Disaster Relief and Emergency Assistance Act to clarify eligibility for disaster assistance. It specifically addresses the concept of duplication of benefits by preventing insurance from being a disqualifying factor for certain aid. The bill prohibits the President from considering an individual's insurance coverage as a duplication of benefits when determining eligibility for displacement assistance . This assistance includes support for temporary housing options such as hotel or motel stays, accommodations with family and friends, or other available housing. The aim is to ensure that disaster survivors can access crucial temporary housing support without their insurance status impeding their eligibility.