Fractional CFO for Roofing Contractors

“Storm hit. Did $1.2M in 6 weeks. Hired 4 new crews. Now the storm work is done, the insurance money is trickling, and I have a $90K payroll burn with no calendar.”

r/Roofing owner

What this is really about: Storm season is feast-or-famine. The contractors who survive build cash reserves during peaks and crew-down deliberately during the lull. We model storm season vs. retail run-rate to size the off-season correctly.

“Insurance carrier denied half my supplements. The customer signed for ACV. I'm out $14K on a $42K job and my AR is full of these.”

r/Roofing storm chaser

What this is really about: Supplement tracking and depreciation recovery is its own discipline. Most insurance restoration roofers leave 10-15% of revenue on the table because they don't track ACV-to-RCV mechanics correctly.

“Materials went up 22% this summer. My bids from spring are losing money. I keep telling sales to update prices and they keep selling at old rates.”

r/Roofing owner

What this is really about: Bid-to-completion lag is a margin killer in materials-heavy trades. We build pricing guardrails that force re-quote when material costs move 8%+ from estimate.

“GAF/Owens Corning gave us premium credentials. Margins didn't change. The credential helps marketing, not pricing power.”

r/Roofing owner

What this is really about: Credentialing is a sales asset, not a margin asset. We measure whether premium status actually closes higher-margin work or just a bigger volume of average-margin work.

Storm Season Financial Planning

Storm work can double your revenue in a quarter — but also double your exposure. We build cash flow models that account for material pre-purchases, crew scaling costs, and the 60-90 day insurance payment cycle.

Insurance Restoration Tracking

Supplements, ACV vs. RCV, depreciation holdbacks, O&P — we track every component of every insurance claim so you collect every dollar you're owed. Many roofers leave 10-15% of restoration revenue on the table.

Job-Level Profitability by Type

Retail re-roofs, storm restoration, commercial flat roofs, repairs, and gutters all have different margin profiles. We separate them so you know exactly where your profit comes from.

Subcontractor Cost Management

When sub costs rise 15% over the summer and your bids are based on spring rates, you lose money on every job. We track sub cost trends and flag when your pricing needs to update.

Cash Flow Forecasting

Insurance payments arrive in stages. Material suppliers want payment in 30. Subs want payment in 14. We model the cash timing so you never get caught short between collect and pay.

Maintenance Agreement Profitability

Annual roof maintenance contracts are growing across commercial roofing. But we see expired agreements outnumbering active ones almost 1:1 — and expired agreements are worth twice the revenue per contract. We track renewal timing, margin per agreement, and pull-through revenue so you don't lose your best recurring customers.

Growth & Exit Readiness

Roofing companies with clean financials, diversified revenue (not 100% storm), and strong recurring repair revenue sell at premium multiples. With heavy PE consolidation in commercial roofing — multiple new groups have entered in the last two years — clean books and job-level data are the price of admission.