This bill expands federal disaster assistance available to families affected by major disasters, particularly those without formal property ownership documentation. It allows individuals and households living on properties in disaster areas without documented ownership rights, as well as people experiencing homelessness and those in temporary housing, to receive federal funds through FEMA to repair homes and obtain property titles. The legislation accepts various forms of evidence to establish occupancy or "constructive ownership," including utility bills, tax receipts, and school records, and requires FEMA to create a simple self-certification form within 30 days that does not require notarization. The bill also modifies existing disaster assistance rules to focus on making homes habitable during recovery rather than just meeting minimum safety standards, and requires FEMA and the Department of Housing and Urban Development to coordinate on housing assistance programs following future disasters.
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