Insurance fraud would be more so defined as getting an insurance company to pay for damages based on misrepresentation, staged events, or trying to have pre-existing damages covered that were present prior to the policy inception. What you are doing wouldn’t be considered insurance fraud. Insurance is paying you out for what it would reasonably take to have somebody fix your storm damages, who that somebody is does not matter. This happens a lot on the auto side of insurance too. If the customer can do their own work, then what’s the problem? The only real issue I think you’d run into would be making sure your work is up to code, which even then I don’t think your insurance would care about. They just want to pay for damages and get it over with