Roofing · Michigan
Roofing bookkeeping that separates insurance work from retail work.
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
In Michigan, roofing leans more on retail and planned replacement than on storm-and-insurance work, so the margin comes from tight material and subcontractor costs rather than claim volume. Job-level costing — subs, tear-off and callbacks all coded to the job — is what protects the margin on work you priced yourself.
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.
We'll do last month for free. Then you decide.
No card, no contract, and the work is yours to keep either way.