Cash
Seasonal and storm cash swings
A cash forecast built for busy and quiet stretches, so a big storm season does not leave you short on payroll before the checks arrive.
Accounting for roofing contractors
Storm seasons, insurance work and crews that grow and shrink with demand. We keep your cash plan ahead of the season, track insurance jobs until they are paid, and keep crew classification clean.
What we watch for
Where the money is won or lost.
Seasonal and storm-driven cash swings, crew classification and material prices.
Insurance
Insurance work, paid in stages
Insurance jobs are paid by carriers and homeowners in stages, often with supplements. We track each job's balance until it is fully collected.
Crews
Employees and subcontractors
Workers paid as employees and crews paid as subcontractors are treated differently for tax. A W-9 and a current insurance certificate before the first payment keeps 1099 season simple.
Materials
Material prices
Shingle and metal prices move. Job costing shows materials running over the estimate while they can still be priced in.
Other states
Storm work across state lines
Working in other states can bring income tax filings, withholding and contractor registration there. We flag what each state needs before it becomes a notice.
Monthly reporting
The numbers we report every month.
A short schedule, the same every month, so you can see the trend as well as the number.
| Line | Number | What it tells you |
|---|---|---|
| 01 | Gross margin by job | Retail and insurance work, separately |
| 02 | Insurance receivables | Owed by carriers and homeowners, by job |
| 03 | Cash runway | Weeks of cash at the current pace |
| 04 | Labor per square | Crew cost for each roofing square installed |
| 05 | Warranty cost | Callbacks as a share of revenue |
Tax
Tax notes for 2026.
$2,000
1099-NEC threshold, 2026 payments
Subcontractor 1099s
For payments made in 2026, file a 1099-NEC for each unincorporated subcontractor paid $2,000 or more (it was $600). Forms for 2026 are due February 1, 2027, because January 31 falls on a Sunday.
$2.56M
Section 179 limit, 2026
Equipment in the year you buy it
Section 179 allows up to $2,560,000 in 2026, reduced once purchases pass $4,090,000, and equipment acquired after January 19, 2025 can also qualify for 100% bonus depreciation. The better choice depends on this year's income, next year's and your state.
Do you track insurance jobs?
Yes. Each insurance job keeps its own balance, including supplements and the homeowner's share, until it is fully paid.
We work storms in other states. Is that a problem?
It can create tax filings and registrations in those states. We flag what each state needs before you start work there.
What does it cost?
Construction packages start at $2,275 a month for businesses under $500K in revenue, plus a one-time onboarding fee. The pricing page shows your starting price in six steps, and your formal quote follows a free call.
How do we get started?
Book a free 30-minute call, or send your details and we will follow up within one business day.
More construction types
