lol, sure but insurance companies can decide to refuse your claim if this has caused a fire or other damage. Without a permit and licensed contractor, the insurer considers that the homeowner is being negligent, and insurers never pay out claims resulting from negligence. Your coverage could even get cancelled.
Oh and If you fail to do it properly, and you have to file a home insurance claim due to a mistake, it could be extremely costly. Not only will you have to pay out-of-pocket for the loss, but filing a claim can cause your insurance premium to increase significantly.
So go ahead DIY, but be aware of potential consequences