NEED ADVICE ON MY PERSONAL HOME!  HURRICANE DAMAGE

[Lynzie Mackey]

My home was hit by Hurricane Ian 9 months ago.  It's elevated so flood damage was only done to the garage, but my shingles and some siding blew off and caused major water damage to the interior of my home.  At this point, we have no kitchen, or flooring, and about 30% of the walls have been ripped out.  My whole ceiling on the top floor is ripped out as well. 

We initially only got paid $30k from Edison Insurance, so we spent months trying to figure out money with them while moving and repairing other properties that were also damaged from the storm.

Since it's our personal home and there were some weird things about it, we're taking the time to move some walls around, ie make the laundry room bigger than 3 feet by 8 feet and changing a half bath to a whole bath to add value, improving curb appeal etc.  I tried to do owner/builder permitting since I had basically nothing to get my project started and the city rejected the permit saying I need stamped architectural drawings which are supposed to be complete by tomorrow.  We have more money from insurance, but it is probably about only 40% of what we will need to repair our home.

The issues I'm running into are:

1.  The demand for work is insane right now.  There was SO much damage that it has taken me weeks to get quotes back from GC's.

2.  Since I had two really damaged homes, I hired a contractor in January to fix one of them.  It took 4 months to permit (the city is figuring everything out through this as well) and they are now moving slowly (3 weeks for demo). 

What do I do here?

I have a quote to fix the exterior of my house (siding, windows, concrete, garage break away walls), but I'm worried it's going to take forever to even get quotes from a GC to start working on the interior of my home.  I'm finishing my owner/builder permit, since I started that way.  Is it a good idea to sub out the interior myself?  Or will I have just as much of a hard time finding people to work?  I haven't managed a big project like this, but I have some general knowledge of construction from other projects I've done.  

I have about 4 months of runway with Loss of Use from Insurance before money runs out.

Any advice would be greatly appreciated.  It has really been such a hard time for our family that we've tried to make the best out of.  But I struggle every week waiting on people to get back to me so that I can get back into my home.