My home has recently experienced hail damage to the roof and siding. I know most homeowners will hire a contractor and have their insurance company approve the work for the contractor. My question is this. I have done siding projects before and am very capable of doing the work myself. Would my insurance agency approve me to do the work on my own and if so am I allowed to pocket the money that would be saved by doing the work myself and only paying for supplies? I feel like it seems deceitful but I don't see why a contractor can make a profit off the hail damage and I as the homeowner couldn't when I would be doing the work myself. Can someone please give me any information on my problem. Thanks!