The short answer
Understand Your Insurance Policy
Whether you get paid for your own labor starts with your homeowners insurance policy. Some policies include coverage for work you do yourself, often called sweat equity. Others only pay for materials and professional labor, so your own time may not be covered. Read your policy or ask your insurance company directly.
Policies vary, and your insurer decides what is covered. Look for wording about "labor" or "repair costs" to see if DIY work is included. If it is not clear, call your insurance company and ask for a written explanation. Keep notes of who you spoke with and what they said.
- Check your policy declarations page for coverage details
- Ask your insurance company about sweat equity coverage
- Get any approval in writing before starting repairs
- Keep a log of hours spent on each repair task
- Save all receipts for materials and supplies
- Take photos of damage before and after your work
Document Everything You Do
If your policy does allow payment for your own labor, documentation becomes your right tool. Write down the date, time, and type of work you complete for each task. Describe the repair in detail, such as removing wet drywall or installing new insulation. This record shows the insurer what you actually did.
Photographs help prove the work happened. Take pictures of the damaged area before you start, each step of the repair, and the finished result. Keep a simple spreadsheet or notebook with your hours and materials. This makes it easier to file a claim and show your effort.
- Record start and end times for each work session
- Describe tasks clearly, like "removed baseboard" or "painted wall"
- Photograph each stage of the repair process
- Save all receipts and note which task each material was for
- Keep a separate folder for all repair-related documents
Know What Your Policy Covers
Your policy may cover materials like drywall, paint, and lumber, but not your time. In that case, you can still be paid for the cost of supplies you buy yourself. Some policies also cover equipment rental, such as a dehumidifier or wet vacuum. Read your policy to see what is listed as covered.
If your policy does not cover your labor, you still have options. You can negotiate with your insurance company, especially if the repair is simple and you can show cost savings. Be honest about what you did and keep your records ready. The decision rests with your insurer.
Consider Hiring Local Water Damage Pros
Sometimes the work is too complex or risky for DIY, especially after major water damage. Structural drying, mold prevention, and electrical safety often require special skills. In those cases, hiring local water damage pros may be worth it. They handle the full scope, from drying to rebuilding, and their labor is part of the claim.
If you do the work yourself, you take on responsibility for mistakes. A small error can lead to more damage later, which your insurance may not cover. Weigh the cost of your time against the risk. For large repairs, professional work often makes more sense.
If you live in Rogers, keep your shutoff valve location written down so you can stop water quickly in an emergency.
File Your Claim Correctly
When you file a claim, be clear about what you did yourself and what you bought. List your labor hours separately from material costs. Provide your documentation to the insurance adjuster. If they ask questions, answer honestly and show your photos and logs.
After you file, wait for the insurer's response. They may approve your labor payment, deny it, or offer a partial amount. If you disagree, you can ask for a review. You can also appeal the decision. The process takes time, so stay organized and patient.
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Call (479) 370-1500 any time, day or night, and describe what happened.
Call Now (479) 370-1500Frequently asked questions
How do I prove I did the repairs myself?
Keep a detailed log of dates, times, and tasks. Take photos before, during, and after each step. Save all receipts for materials. This evidence shows the insurer exactly what work you completed and supports your claim for labor payment.
What if my insurance says they don't pay for DIY labor?
Ask for the specific policy language that excludes it. If it is not written, request a written explanation. You can also ask to speak with a supervisor. Some insurers make exceptions, but it depends on your policy and the damage.
Can I get paid for my time if I hire a friend to help?
Usually, payment for a friend's labor depends on your policy. Some policies cover any labor you pay for, while others only cover work done by hired professionals. Check your policy and ask your insurer. Document the work and payments clearly if you do get approval.