The storm brings revenue. The carrier decides when you get paid.
PE-grade financial leadership for roofing companies doing $2M–$50M — a monthly system built for insurance pay cycles, storm-driven swings, and the day a buyer comes calling.
You front the work. Everyone else controls the money.
Roofing has the widest gap in the trades between when the work happens and when the cash lands — and insurance work widens it further.
Insurance pace, your payroll
Carriers pay on their cycle, not yours: deductibles to collect, supplements to fight for, depreciation held back until completion. Meanwhile crews and suppliers get paid every week — by you.
Storm feast, quiet famine
A hail event triples your revenue and your working-capital needs in the same month. Then the quiet stretch tests whether the feast actually left any cash behind.
Crews and materials decide margin
Sub-crew rates per square, shingle prices that move between the bid and the buy, rework that never gets tracked to a cause — margin lives and dies in the field, job by job.
Your CRM and your books don't talk
The job system knows every square; the accounting system knows every dollar — and they're barely connected. That gap is exactly where financial decisions go to die.
We know your business from both sides of the table.
Here's the part most CFOs can't say: insurance-paid work isn't adjacent to our experience. It IS our experience.
We ran the insurance cycle at national scale
Our founder spent six years as CFO of a national property restoration platform — a business built on insurance-paid work. Scope, supplement, bill at completion milestones, collect the deductible, chase the carrier: he ran that exact cycle across all 50 states. Roofing's money problems are his home turf.
Roofing businesses, evaluated as an acquirer
Our founder has personally met and qualified over 100 potential trades acquisitions — with roofing companies front and center. He knows what a healthy roofing business looks like inside a data room, and what makes buyers pay up.
We've paid roofing invoices at national scale
That same platform hired, priced, and paid roofing subcontractors on jobs across the country. Your pricing, your scopes, your margins — seen from the other side of the invoice.
The monthly rhythm — in your language.
The same five-step system every LeeFO client runs, applied to how a roofing company actually makes money.
Set targets — by retail vs. insurance mix, crew, and season
A ground-up budget that splits retail from insurance work, plans crew capacity against a storm-driven pipeline, and prices on today's material costs — not last year's.
Track actuals — margin by job, crew, and work type
Every month: margin by crew and by retail-vs-insurance mix, supplement capture, and estimate-vs-actual on materials — against target, in dollars.
Forecast cash — 13 weeks out, with the carrier lag built in
Deductibles, depreciation holdbacks, and carrier payment timing modeled week by week — so a record sales month never becomes a payroll problem two months later.
Score the Success Signals — owned by your ops team
Four to six numbers scored green, yellow, red every month — typically inspections-to-signed rate, production per crew, supplement capture, billing speed at completion milestones, and deductible + AR collection.
Act & course-correct — before the storm season, not after it
Every month ends with an action plan: the crew-rate renegotiation, the supplement process fix, the collections push — each with an owner, a deadline, and a dollar value.
The math is unforgiving: on a $10M roofing business, every point of margin is ≈ $100K a year — and uncaptured supplements and slow carrier collections routinely cost more than that. Well-run shops measure both. Most shops measure neither.
A right hand for the numbers — so you can run the business.
Your time is the scarcest resource in the company
You're carrying people, culture, customers, sales, and field execution. Nobody handed you a spare ten hours a week to research financial best practices — and there's almost too much conflicting information out there to sort what actually matters. That's the job we take off your plate: we learn your business, bring clarity to the numbers, and calibrate the 4–6 Success Signals that point your operating team at the financial goals.
Cash gets watched at both ends
In project-based trades, payment lags the work — customers, insurance carriers, GCs, and property owners all pay on their schedule, not yours. We keep a cadence on both ends of the business: signed work and sales activity on one side, billing, collections, and cash conversion on the other — so a strong sales month never hides a collections problem.
Roofing consolidators are writing checks — for provable numbers.
Private equity platforms have been acquiring residential and commercial roofing companies at a pace the trade has never seen. What separates a premium multiple from a pass isn't the truck count — it's clean books, provable margins by crew and job type, and a data stack a buyer can trust. If you can prove you have a diamond, buyers compete — and competition drives your price. Even if you never sell, running sale-ready pays you every single year.
Or ask us what buyers look for — we've been one.
Fair questions, straight answers.
Do you actually know the roofing business?
Better than any other trade we serve. Our founder spent six years as CFO of a national property restoration platform — insurance-paid work across all 50 states. Scoping, supplements, completion-milestone billing, deductible collection, carrier follow-up: that exact cash cycle was his day job at national scale. And as a buyer, he has personally met and qualified over 100 potential trades acquisitions, with roofing companies front and center.
How is a fractional CFO different from my bookkeeper or my CPA?
Your bookkeeper records what happened. Your tax CPA reports it to the IRS. Neither one forecasts your cash 13 weeks out, models carrier payment lag, scores your KPIs monthly with your ops team, or hands you an action plan with owners and deadlines. That forward-looking layer is the fractional CFO's job — and you keep both of them.
What does a fractional CFO cost?
One flat monthly fee with a fixed scope — no hourly billing, no surprise invoices. Most engagements run in a predictable monthly range depending on complexity, locations, and scope — a fraction of the $350K+ a full-time CFO costs. We'll scope yours on a free call.
How do you justify the fee?
In dollars you can check. Supplements captured instead of left on the table. Margin points found and kept — on a $10M shop, one point is about $100K a year. Deductibles and receivables collected on a cadence instead of when someone remembers. And value built for the day you sell: provable numbers typically add to the multiple buyers will pay — a business that can prove it's a diamond invites confident buyers and competitive bids.
Storm season just hit — is this a bad time?
It's the moment the system matters most. Storm revenue triples your working-capital needs overnight: crews, materials, and supplements all scale at once, while the carriers pay on their own schedule. The 13-week cash flow tells you exactly how much of the surge you can fund — and what it will actually leave behind.
Do we need new software?
No. Whatever job-management or CRM system you run, the real problem is the same everywhere: the operational data and the accounting data don't talk to each other, so nobody can see which jobs and crews actually make money. We bridge that gap with the systems you already have.
Keep the storm's money after the storm is gone.
A free consultation, then an assessment of your books and pipeline. You'll know your low-hanging fruit, in dollars, before you commit to anything.
Book a Free Consultation