Housing Survivors of Major Disasters ActThis bill lowers the eligibility criteria for Federal Emergency Management Agency (FEMA) Individuals and Households Program (IHP) housing assistance, including for IHP permanent housing construction, and requires FEMA to consider evidence of constructive ownership of a residence when determining eligibility for IHP home repair or home replacement assistance. Specifically, the bill lowers the level of damage required for certain IHP housing assistance eligibility, so the residence must merely be damaged by a major disaster instead of rendered uninhabitable. Also, under current law, FEMA is authorized to provide assistance for permanent housing construction where (1) no alternative housing resources are available; and (2) other types of temporary housing assistance are unavailable, infeasible, or not cost-effective. The bill authorizes IHP permanent housing construction where FEMA determines such assistance is a cost-effective alternative to other housing solutions, including temporary housing costs.Additionally, the bill requires FEMA to consider an individual or household’s claim of constructive (i.e., implied) ownership, where evidence supports its existence is more likely than not, when determining eligibility for IHP financial assistance for home repair or replacement for a residence without documented ownership rights. FEMA must consider all evidence provided when determining whether constructive ownership more likely than not exists, and the bill lists examples of evidence. If FEMA determines the evidence is insufficient, FEMA may require a signed declarative statement describing the constructive ownership. FEMA may not require notarization of the statement.