How to handle Insurance Claim compensation to homeowner

As homeowner, I was compensated by my insurance company for coordinating contractor efforts for a complex roofing claim, and am trying to understand how/if this needs to be handled from an income tax perspective.

 

Thanks for your input on this one.

 

Details

In 2018 I had hail damage to my home and checks were received in 2018-2021 and transferred to the mortgage lender bank in 2020 & 2021. I received and deposited payments from the mortgage lender bank 2020 & 2021 (majority in 2021).

 

This was a very complex claim, with multiple contractors and technical challenges to overcome. I had hundreds of hours into this project.

 

As a result of the complexity and my time involved, the insurance company granted me (homeowner) 10% payment, which was later raised to 20% by the insurance company. They will often pay out a general contractor overseeing 3+ trades this amount as O&P, and labeled it as such. Little known is some insurance companies will also compensate a homeowner in this manner if the claim is complex, requiring significant effort from the homeowner.

 

I never received any related tax paperwork (1099-MISC, etc) from the insurance company, simply the standard Structural Damage Claim Policy, detailing out all the various claim charges and the 10% 'General Contractor Overhead' and 10% 'General Contractor Profit'

 

To me, this is complex because yes, I was compensated for my time, but my time would not have been required, had the damage not occurred. Additionally, outside of the policy's coverage, I had the following roofing expenses which were outside the scope of what the insurer included in the claim:

1) architect expenses

2) building consultant expenses

3) construction expenses (when the roof was pulled, it became obvious there was a construction defect from the former owner, requiring roof sheathing be pulled and replaced before the roof could be reinstalled)

 

Lastly, outside the claim policy statement (which just had 2 line items called out above for O&P), there is no other paperwork I received detailing the payment to me.