Roofing
One hailstorm can look exactly like a growth trend.
Insurance restoration work arrives in a spike and then leaves. Enter the last three years separately — never as an average — and the storm shows itself.
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Cash flow model · roofing business plan · red-flag checklist
- Insurance-funded revenue, year one (%)68
- Insurance-funded revenue, year two (%)44
- Insurance-funded revenue, year three (%)31
- The weakest of the three years31%
An average is where a storm goes to hide.
- The license the company works under may be the seller’s, held by one qualifying individual.
- Three years averaged into one number. The listing doesn’t say which year was the hail.
- Every roof the seller installed carries a labor warranty. You honor it, with your crews, on jobs you weren’t paid for.
- Deposits taken for roofs not yet installed. That cash is in the seller’s account.
Three moves, in this order.
1. Start with the license. Whose name it’s in, who the qualifying individual is, and what happens to it at closing.
2. Enter the three revenue years separately, and split out what was insurance restoration. An average is exactly what hides a single storm.
3. Check what’s left against the loan, priced against the weakest year as well as the best. Debt coverage, break-even and twelve months of cash flow, at the crew model you’d actually run.
You end up with a number that survives a year without a storm.
A roofing valuation is only as good as the year you price it on.
Acquisition Toolkit — three files
| File | What it does |
|---|---|
Roofing Cash Flow Template .xlsx | Crews and capacity, work mix, storm and warranty exposure, backlog and operating costs — then twelve months against the loan and debt coverage. |
Roofing Business Plan Scaffold .docx | Sixteen numbered sections, each prompting you for what belongs in it. |
Roofing Acquisition Red-Flag Checklist Guide | Eleven sections of what to verify yourself, starting with the license. |
Lender Package — those three, plus three more.
| File | What it does |
|---|---|
Roofing Personal Financial Statement .xlsx | What you own, what you owe, and what’s liquid — the picture of you a lender asks for. |
Roofing Lender Resume Template .docx | Six sections. Your experience and licensing, for whoever decides on the loan. |
Roofing Loan Document Checklist Guide | Eleven sections of what a lender asks for, storm-funded revenue included. |
Spreadsheets open in Excel, Numbers or Sheets. Your numbers stay on your computer — nothing uploads.
No hype. No loan promises.
This won’t get you approved and it won’t tell you whether to buy. It helps you build the number yourself, early, while walking away is still free.
It can’t tell you whether the crews will stay, and a licensing question needs your attorney.
We’re not lenders, brokers, attorneys or accountants. Where a question needs one, the files say so.
More before you decide
How to value a small business Due diligence before you buy See all industries