Homeowners insurance question about using licensed contractors for repairs

Hi everyone, my home recently endured hurricane Michael, and miraculously, I only lost a roof-mounted electric mast, and about 2-3 dozen shingles on the one side of the roof the wind hit hardest.

We tarped the roof so no water could get under the shingles/felt paper, and the adjuster came out and inspected it after we'd tarped it.

Fast forward about 5-6 weeks, and I just found out I'll be getting 3 checks totaling almost $9,000. Now, I have a little construction experience, I have done roofing before, and I honestly figured the shingles could be patched(basically only replacing the missing/damaged ones), but I'm almost of the impression the insurance company figures I'll need a whole new roof.

Now to the cruz of my question, it sounds like they're sending me all 3 checks at once, so I'm wondering, do you think they'll require me to hire a licensed roofer to do the repairs? Or is that just my money to do whatever with? I do have a mortgage lender(Navy Federal Credit Union) that the checks will probably be made out to as well, do you think THEY will require me to hire a licensed roofer?

Reason I'm so curious is because I know for a fact I and maybe a couple other guys could strip and re-roof my house for probably less than $3,000 and do it at my leisure too. That leftover money could get me new carpet and a bunch of other stuff.

I haven't got any estimates yet from roofers so I don't know how much I can get done for that $9,000, maybe the construction market is just super inflated right now after the hurricane, and maybe that's why they gave me so much...