Fair Disaster Assistance Act of 2025

HR 1164, the Fair Disaster Assistance Act of 2025, prevents FEMA from sending applicants a notice denying disaster assistance before an insurance claim for their damaged property is finalized. It requires the FEMA Administrator to issue regulations ensuring that applicants with insurance on their damaged home or facility do not receive such denial notices until after their insurance claim is approved or denied. This applies directly to homeowners and business owners who have filed for disaster aid under the Robert T. Stafford Act and hold insurance for their property. The bill changes the timing of notification procedures but does not alter eligibility or funding for disaster assistance.