; (B) in subparagraph (J) by striking the period and inserting ; and ; and (C) by adding at the end the following: (K) minor repairs up to habitability of owner-occupied homes damaged by the disaster in order for survivors to safely shelter in place. ; and (2) by adding at the end the following: (5) Duplication of benefit limitations Notwithstanding section 312, any minor repairs up to habitability of owner-occupied homes may not be considered a duplication of any owner benefits. (6) Sheltering and housing options Not later than 15 days after a declaration of a major disaster, the Federal coordinating officer shall provide all sheltering and housing options available under this section to a State Governor, or the designated State coordinating officer. (7) Definitions In this subsection, the term minor repairs up to habitability means the minimum standards for permanent housing described in section 576.403(c) of title 24, Code of Federal Regulations (or successor regulations). . (b) Rulemaking Not later than 2 years after the date of enactment of this Act, the Administrator of the Federal Emergency Management Agency shall issue final regulations to implement the amendments made by this section. 6. Appeals of individuals and households program benefits The Administrator shall revise section 206.115 of title 44, Code of Federal Regulations, to require the Federal Emergency Management Agency to provide to any applicant who appeals a determination of eligibility of assistance— (1) any documentation used to make such determination, including any inspection documents that exist; (2) a description of— (A) the reasons for such determination; and (B) recommended steps that could be taken to remedy a determination of ineligibility, including, as applicable, a list of additional documentation that the applicant may provide