Roofing Cash Flow Template

Set up the Job Cash Flow sheet for every active and booked job. Enter the contract price, deposit already collected or expected at signing, total material cost estimate, and your crew's labor cost. The sheet will show you, job by job, how much cash each job requires before the final payment arrives. This matters most during storm season when you might sign 10 jobs in a week — the aggregate cash requirement to buy materials and pay crew before insurance checks arrive can easily reach $50K–$100K on a mid-size company's volume.

The specific cash flow metrics that matter for roofing are different from most construction trades. Average days from job completion to final payment is the most important — for insurance work, this is driven by how quickly adjusters close claims and whether supplements are disputed, not by how fast your crew works. Material cost as a percentage of contract price (typically 35–50% for residential work) determines how much cash each job consumes before it generates a return. And total insurance AR outstanding tells you how much money is legally yours but hasn't hit your account yet — for storm-chasers doing $1.5M+ in annual revenue, this figure can exceed $200K at peak season, which is a meaningful liquidity risk if a few large claims slow down simultaneously.