Typically, no, you don’t. You can usually use any reputable business to repair or replace your damaged property. But it’s always a good idea to check your insurance policy for any special requirements regarding contractors, and to consult with an experienced property damage claim lawyer if you have questions.
Some insurance policies, for example, will require that you obtain a quote from one of the insurance company’s preferred service providers, and will only pay up to the quoted amount for repairs to your property no matter which provider you choose to use.