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If the insured elects to do the work themselves, profit is not usually included in the estimate. Insurance policies are not in place to profit the insured. They are to make the insured whole again. Overhead would be included.

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Q: Can you act as your own general contractor and receive overhead and profit when filing an insurance claim?
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Generally a contractor who builds a house for a customer can expect to receive 15% profit and 15% overhead. Generally that is on the high end though and can vary by region. Generally a contractor who builds a house for a customer can expect to receive 15% profit and 15% overhead. Generally that is on the high end though and can vary by region.

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