If you’ve recently experienced storm damage or a roof leak and received an insurance payout, you might be wondering: Can I just do the roofing work myself? The short answer is yes, in most cases, you can—but there are some important details to keep in mind before climbing that ladder.
✅ Yes, You Can Use Insurance Money to Roof Your Own House
Most homeowners insurance policies don’t require you to hire a professional contractor. If you’re experienced, have the right tools, and feel confident doing the job safely and correctly, you’re legally allowed to buy materials and handle the roofing yourself.
Doing the job yourself might even leave you with leftover funds—money that can be saved, used for other home improvements, or put toward maintenance.
🏦 But If You Have a Mortgage, It Gets More Complicated
Here’s the catch: If you have a mortgage on your home, the insurance check may be made out to both you and your mortgage company. Lenders want to protect their investment, so they may require:
- That you hire a licensed and insured contractor
- Inspections before and after the work is completed
- Proof of permits and compliance with local building codes
Before you start swinging a hammer, contact your lender and ask about their process for handling insurance claim funds.
⚠️ DIY Roofing Risks to Consider
Even if you’re legally allowed to roof your home, there are several factors to weigh carefully:
- Safety: Roofing is dangerous. Falls are the leading cause of injury in home improvement projects.
- Skill level: Poor workmanship can void your roof warranty, hurt resale value, or lead to further damage (which insurance might not cover).
- Building codes: Failing to get permits or follow local codes can result in fines or insurance issues down the line.
- Insurance implications: If your insurance company discovers improper repairs during a future claim, they may deny coverage.
📝 Pro Tip: Always Talk to Your Insurance Agent First
Before you commit to a DIY roofing job, have a quick conversation with your insurance agent or adjuster. They can walk you through any policy-specific requirements and let you know what documentation you’ll need to keep on file.
Need Help Understanding Your Policy?
At Eugene C. Yates Insurance Agency, we help Sacramento homeowners understand their coverage and make smart, informed decisions about repairs and replacements. Whether you’re hiring a pro or going DIY, we’re here to ensure your insurance works for you—not against you.
📞 Call us today or stop by for a free policy review!