You’re allowed to complete repairs yourself, but if you have a mortgage, you’ll need approval from your lender. While most mortgage companies require that repairs be done by a qualified contractor, some may allow for the homeowners to do the labor themselves. Again, this depends on the lender. In most cases, if the loss is a larger job that requires a building permit, you’ll need a general contractor. But losses with simple repairs that don’t require a permit, such as drywall, baseboards, painting, etc., can be done by you or someone you find.
If you have a contractor do the work, your insurance company may make the check out to both you and the contractor. This way, the insured has control over the funds to ensure that the repairs are done correctly.