Roofing Pro Forma Template

Once the assumptions look right, review the Job Cost Model sheet and adjust material and labor percentages to match your actual job history. The default percentages are industry averages — materials typically run 35–45% of job revenue for a full replacement, crew labor runs 15–25%, and disposal plus permits add another 5–8%. But these numbers shift based on your material tier, whether you use subcontractors or in-house crews, and your local permitting fees. Enter your real numbers here before using the model in any presentation. Then review the Overhead & G&A sheet and enter your actual fixed costs: your trucks, your insurance premiums (workers' comp rates for roofing are among the highest of any trade, often $20–$40 per $100 of labor), and your office and sales costs.

The cost structure of a roofing company has a few levers that matter more than everything else. Workers' compensation insurance is a major cost driver — roofing is one of the highest-risk trades, and WC premiums can run $20–$40 per $100 of direct labor wages, which means a crew with $50,000 in annual wages costs $10,000–$20,000 in WC premiums alone. General liability insurance is a second major overhead item, often running 3–6% of revenue for residential contractors. The combination means a roofing company's insurance burden can be 8–12% of revenue before touching a single shingle. Any pro forma that doesn't model insurance carefully will underestimate the true cost of growth — because every additional crew member adds another insurance cost layer that scales at a faster rate than the revenue they generate in their first year.