Roofing · Minnesota
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 Minnesota 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 Minnesota
The Minnesota context.
Season and demand
Among the most extreme heating seasons in the country and a short cooling season. Winter is the busy period rather than the slow one, which inverts the cash flow pattern most HVAC advice assumes.
The market
The Twin Cities anchor a strong market with a genuine construction season constrained by weather — work compresses into a shorter window, so scheduling and cash planning around the frozen months is central rather than optional.
Tax and entity context
Minnesota applies graduated personal income tax rates that run higher than most states, which makes entity structure and owner compensation decisions carry more weight here than they do elsewhere.
We work with roofing contractors throughout Minnesota, including Minneapolis, Saint Paul, Rochester, Bloomington and Duluth.
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.