Reimbursed By Insurer for Doing Your Own Repairs
Whether you can be reimbursed for doing your own home repairs after damage depends largely on your insurance policy, the type of damage, and your insurer’s rules. While some policies allow it under specific conditions, others require that repairs be handled by licensed professionals.
Policy Requirements and Limitations
Most homeowners' insurance policies are designed to cover the cost of professional repairs. Insurers prefer licensed contractors because they can verify the quality of work, ensure compliance with building codes, and provide receipts or invoices for documentation. If you handle repairs yourself, your insurer may be reluctant to reimburse labor costs since you’re not paying out-of-pocket for that work.
What You Can Usually Claim
If your insurer allows self-repairs, you can typically be reimbursed for:
- Materials and supplies used in the repair (e.g., lumber, paint, hardware).
- Rental equipment needed for the project (e.g., ladders, power tools).
You’ll need to keep detailed receipts for every purchase, take before-and-after photos, and provide proof that the repairs addressed the covered damage. However, reimbursement for your personal labor is rare.
When Self-Repairs May Be Accepted
Self-repairs are more likely to be approved when:
- The damage is minor, such as repainting walls, replacing shingles, or fixing broken fixtures.
- You have the skills and experience to perform the work safely.
- There is no immediate safety risk, and the work doesn’t require special permits.
For major structural, electrical, or plumbing damage, insurers almost always require licensed professionals to ensure the home meets safety codes.
Risks of Doing Your Own Repairs
While self-repairs can save money, they can also create complications. If the work isn’t done to standard, your insurer may deny future claims related to that area. Incorrect repairs could also lower your home’s value or result in safety hazards.
Conclusion
You can sometimes be reimbursed by your insurer for self-repairs, but typically only for materials, supplies, and equipment costs, not your labor. Always check your policy and speak with your claims adjuster before starting work. Following the right procedures and documenting everything can help ensure you receive the maximum reimbursement allowed.