Roofing · Michigan
Insurance work and retail work are different businesses. Your books treat them as one.
Roofing carries three problems at once: two revenue streams with different margins, subcontractor costs that never tie back to a job, and a schedule the weather controls.
The Two-Day Guarantee— Your first month back in two days, or the next month is free.
Roofing bookkeeping for Michigan contractors
We do monthly roofing bookkeeping for contractors running insurance restoration work, retail replacement work, or both. Every transaction categorized, accounts reconciled monthly, and a US CPA review and sign-off before anything reaches you.
Roofing accounting has a problem most trades do not: two revenue streams with genuinely different margins that get reported as one number. A roofing bookkeeper who knows the trade splits insurance from retail, ties subcontractor cost back to the individual job, and builds books that reflect a schedule the weather controls.
What is different in Michigan
Michigan makes this trade harder than average.
Season and demand
Long, severe winters make heating the dominant load, and the cooling season is short. Freeze-thaw cycles drive burst pipes and emergency call volume that arrives all at once rather than steadily.
The market
A repair and replacement market with older housing stock and a substantial industrial base. Seasonality is sharp enough that shoulder-season cash planning matters more here than in warmer states.
Tax and entity context
Michigan applies a flat personal income tax rate. Several cities levy their own local income tax on top, so businesses operating across municipal lines have an extra layer to handle correctly.
We work with roofing contractors throughout Michigan, including Detroit, Grand Rapids, Warren, Ann Arbor and Lansing.
What we build into your books
The three things that change first.
Insurance versus retail, separated
Two margins, tracked apart. It usually changes where the marketing money goes.
Subcontractor cost per job
What went out to subs, measured against what came in on that job. The jobs that do not work stop being invisible.
Weather-driven cash flow
Books that reflect a rained-out month, so a bad stretch is something you planned for rather than something you discover.
Roofing clients
In their words.
Roofing
Weather runs my schedule and my cash flow, and I'd never had books that reflected that reality. They set it up so I can see what a rained-out month actually does to me. First time in 12 years I've felt ahead of it instead of behind it.
Steven Bauer
Excel Roofing LLC
Weather-driven cash flow planning
Roofing
Insurance work versus retail work — completely different margins, and I was lumping it all together. Splitting those out was eye-opening. I've shifted where I spend my marketing money because of it.
Brett Hansen
Hansen & Group
Separated insurance vs. retail job margins
Roofing
I was 8 months behind and had a bank asking for financials for a line of credit I needed. They got me current in time. That's not an exaggeration — that deadline was real and they hit it.
Matthew Novak
Durabest Roofing
Books brought current for bank financing deadline
We'll do last month for free. Then you decide.
No card, no contract, and the work is yours to keep either way.