Americans who experience major disasters such as hurricanes, wildfires, or floods and are forced to leave their homes would be most directly affected. Specifically, this bill impacts disaster victims who have insurance policies that typically cover temporary housing expenses, like additional living expenses. Before this bill, these insured individuals might have faced delays or denials for federal temporary housing assistance because their insurance was considered a "duplication of benefits."

With this bill, these individuals would still be eligible for federal assistance to secure temporary housing immediately after a disaster, even if they have an insurance policy that also provides for such expenses. This could provide them with more immediate options and stability during a critical and stressful time.