Can you get recoverable depreciation if you do the work yourself?
Short answer. Often yes, but usually only up to what you actually spend. Replacement cost policies typically pay the smaller of the estimate or the amount actually and necessarily spent, so a do-it-yourself job generally recovers documented material and hired labor costs, not the full contractor price on the estimate.
Why DIY recovers less
The insurer's estimate prices the job as a contractor would do it, including labor and sometimes overhead and profit. When you do the work, your out-of-pocket cost is mostly materials, dumpster rental, and any help you pay. Insurers commonly release depreciation only to the extent of those incurred costs. Whether they credit your own labor depends on the carrier and the policy, so ask before you start.
What to document
- Material receipts with dates and quantities
- Equipment and dumpster rental receipts
- Payments to anyone who helped
- Before, during, and after photos
- Permit and inspection records where required
Roof-specific cautions
- Safety. Roofing is one of the most dangerous trades, and falls from a house roof can be serious.
- Permits. Many Georgia cities and counties require a permit for reroofing; check with your local building department.
- Warranties. Manufacturer enhanced warranties often require a credentialed installer, so a DIY roof may limit your warranty options.
- Future claims. A roof installed incorrectly can lead to denied claims for installation defects.
Ask your adjuster in writing how they will handle a do-it-yourself completion before you buy materials.
Related: recoverable depreciation on a roof and overhead and profit.