This bill amends the Robert T. Stafford Disaster Relief and Emergency Assistance Act, specifically targeting provisions related to temporary housing assistance. Its core objective is to clarify the treatment of insurance when determining a disaster survivor's eligibility for this crucial support. The legislation explicitly states that the President may not consider insurance a duplication of benefits for the purpose of assessing eligibility for temporary housing assistance under Section 408(c)(1) of the Act. This change prevents insurance coverage for other losses from disqualifying individuals from receiving temporary housing aid. The amendment aims to ensure more comprehensive and timely assistance for those displaced by disasters.