Mark, the way the work is done may or may not be spelled out in your home owners policy. Invariably, it's still going to cost you additonal money out of pocket to get the necessary repairs made since home owner policies have deductibles and the adjuster sent out by your policy holder will likely go low on the cost to repair figure.

I think you'll need to defer to your carrier and go from there. When I filed a claim on my home, my insurance company just gave me a check and then it is up to me to get the work done.