Handle your own roofing project. Keep more of the money.

In many jurisdictions, a homeowner may manage work on their own property as the general contractor. Rules and exemptions vary by state and locality. You are responsible for confirming that this is permitted, choosing qualified independent providers, hiring licensed roofing subcontractors where required, and arranging all required permits and inspections. Check with the state and local authorities having jurisdiction before work begins.

Yes. A homeowner may manage repairs to their own property after an insured loss, just as a roofing contractor may manage repairs to property they own. You remain responsible for following your insurance policy, documenting the loss and repairs accurately, paying your deductible, complying with lender requirements, and using claim funds as required. BYOR does not adjust, negotiate, or provide advice about insurance claims.

Licensing and registration requirements vary by state, county, city, trade, and project. Some jurisdictions require a state roofing or contractor license, while others regulate contractors locally. Confirm every provider's required license, registration, insurance, and good standing directly with the applicable licensing board and local building department before hiring.

Permit and inspection requirements vary by state and locality. Contact the building department or other authority having jurisdiction for the property before starting work, and confirm who must obtain the permit and schedule inspections.

Where permitted, a homeowner managing the project as their own general contractor may select and contract directly with roofing subcontractors. You are responsible for verifying licensing where applicable, insurance, qualifications, permits, and written contracts, and for complying with state and local requirements.

You create the project, organize your roof and claim documents, confirm the scope, compare participating installers, select the providers you want to hire, and manage scheduling, payments, permits, inspections, and completion. BYOR gives you tools to keep that process organized. See our How It Works page for the step-by-step process. See how BYOR works.

Insurance proceeds may be used for covered repairs subject to your policy, claim settlement, deductible, mortgage or lender requirements, and applicable law. By managing the project and performing permitted work yourself or contracting directly with subcontractors, your actual project cost may differ from contractor quotes. Any funds you retain must be permitted by those requirements, and all invoices, costs, and representations must be complete and accurate. Ask your insurer, lender, attorney, or tax adviser about your situation.