Roofing company operations audit The roof is on. The final check is still out. We find where the money slips.
Final checks that wait, approved claims that stall, jobs slipping between sales and production. In two weeks, from the company’s own records, we put a monthly dollar figure on each one.
- Fixed fee
- $4,500
- Length
- Two weeks
- Access to records
- Read-only
For roofing companies at $1M a year and up.
+1 (202) 600-6027Mon–Fri, 9 a.m.–6 p.m. ET · A real person answers or calls you back the same business day.After hours? Book the call online: one form, no calendar
Sound familiar?
What roofing company owners say about the money they can’t find.
01
The final check still out
The build is done, but the check waits on the carrier, the mortgage company or the homeowner. A/R lumps the three together, so none of them gets a next step.
02
Approved claims that go to someone else
On insurance work, approval feels like the sale. Getting from approval to a signed contract and a build date is nobody’s job, and the homeowner goes quiet.
03
Jobs that slip between sales and production
Sales works in one place, production in another, the office in a third. Moving a job forward between them is nobody’s step, so it waits.
04
Gross sales, and no clear number on what’s left
True overhead and job cost get assembled by hand weeks after the build, so the less profitable kind of work keeps getting sold.
05
Commission paid before the job cost is known
Commission goes out on the sale. Then a supplement, a supplier bill or a return moves the number, and the job gets figured twice.
06
The office runs through the owner
The owner sells, approves, chases checks and backs up the office. When every hand-off has the same backup, the work moves at one person’s pace.
Paraphrased from public owner forum threads and trade-press interviews — not from our clients.
None of this is fixed by bringing in more business. Each leak sits in work already on the books.
Where it stalls
From the first call to the cleared payment: where the money stalls.
- Call
- Hand-off 01 to Inspection
- Hand-off 02 to Contract
- Hand-off 03 to Build
- Hand-off 04 to Invoice
- Hand-off 05 to Paid
- Hand-off 06 to Margin
- Hand-off 02 · Inspection → Contract
Approved claims and sent proposals with no signed contract and no next date.
- Hand-off 03 · Contract → Build
Estimate gaps between sales and production that surface on the day of install.
- Hand-off 05 · Invoice → Paid
Final checks waiting on the carrier, the mortgage company or the homeowner, lumped into one A/R number.
- Hand-off 06 · Paid → Margin
Commission figured on the sale, then figured again when the job cost moves.
Before any new software
Large companies are spending heavily on AI. Few can show what it returned.
7%
of 2,145 senior leaders at companies with $100M+ in revenue reported having established a return on AI — while planning to spend an average of $188 million each on it.
Source: KPMG Global AI Pulse, Q2 2026
Those are companies with their own IT departments and budgets. A smaller business that buys a tool on a hunch has less room for the same mistake.
Leaders with strong visibility into costs were five times as likely to report a return on AI (15% against 3%). The same release adds that without clear ownership, decisions fragment and impact gets harder to track.
Source: KPMG Global AI Pulse, Q2 2026
Free · two taps · no email
Check one hand-off yourself, right now.
Three questions, from your own records
How many insurance jobs marked Complete in the last 180 days have no date on record for the final invoice or the certificate of completion?
Of the decking sheets on last month’s supplier invoices, how many show up on a supplement or a final invoice?
Of the money in A/R right now, how much is waiting on the carrier, how much on the mortgage company, and how much on the homeowner?
If an answer takes digging, note where the record lives. That is where the Review starts.
Free self-check · two taps · no email
Hand-off 4 of 6 · Delivery → Invoice
Choose the answer that sounds like your business.
That was one of six hand-offs where money changes hands, from first inquiry to collected cash. The other five take about three minutes and end in a dated sheet that names where to start.
How it runs
Two weeks, $4,500, one finding you can act on.
Day 0
A 20-minute call
Fit, not yet, or not us. No deck, no payment.
Days 1–14
We read the records
Read-only exports from the systems you already run. Nothing switched off, nothing to install.
Day 14
The findings, in writing
Each gap with a monthly dollar figure, the order to fix them in, and the first fix to start the next morning — the company’s to keep whatever the owner decides.
$2,250 to begin, the balance when the report arrives. The fee does not change with what the Review finds, and the written report is yours to keep.
What we price
Each leak gets a monthly dollar figure.
Insurance jobs marked Complete with no final invoice or certificate of completion on record, the held-back depreciation behind each one, and the date each policy’s window for asking closes.
Retail jobs closed in production with a balance still open in QuickBooks, and the punch-list item holding each one
Decking, code items and extra squares on the supplier invoices and drop tickets that never reached a supplement or a final invoice
Approved claims with no signed contract or build date, and good/better/best proposals sitting in Sent or Viewed with no next task
Open A/R split into its three real queues — waiting on the carrier, waiting on the mortgage company, waiting on the homeowner — with the days each dollar has waited
Who runs it
Small on purpose. Senior on purpose.
Tamara Stepanyan, founder
No client case studies yet — we would rather tell you that than invent one.
Before you call
Questions roofing company owners ask first.
We run AccuLynx. Doesn’t it already track every claim?
It records what gets entered. The gaps live between the entries: production marks a job Complete, and nothing records that the final invoice and COC went to the carrier; tear-off photos exist, and nobody checks them against the supplement. The Review reads the CRM against QuickBooks deposits, supplier invoices and the supplement log, and counts what falls between them. JobNimbus, Leap and Roofr work the same way. The software stays: the fix list names owners and steps, not a new CRM.
We already pay a supplement company. Will you be talking to carriers or homeowners?
No. A supplement company works the files it receives; the Review counts what reaches it and what happens around it — extra decking on a supplier invoice with no supplement filed, supplements approved and never invoiced, depreciation never requested. We never contact carriers, adjusters, mortgage servicers or homeowners, never interpret a policy, never write a supplement and never act on a claim. What comes back is counts from the company’s own records and a sequenced list of who should own each step.
We’re mostly retail. Does the insurance side of this even apply?
Retail work stalls at different hand-offs: good/better/best proposals sent without a follow-up date, decking sheets replaced and never added to the invoice, a final balance held by a back-ordered gutter, commission figured before job cost is known. The Review reads all six hand-offs, from the first call to the margin on the closed job, and names the one the records show as weakest, whatever the retail-to-insurance mix. The free self-check at the top of this page opens on the invoice step; the full Self-Audit covers the other five.
We run three crews and the season is still on. Right size, right time?
Size first. The Census Bureau’s Statistics of U.S. Businesses counts 9,397 employer roofing firms (NAICS 238160) with 2022 enterprise receipts of $1 million or more: about two in five of the industry’s 24,044 employer firms, and, by our arithmetic on the published size brackets, about 94 percent of its $68.8 billion in receipts. The Review is built for that group: two or more crews, an office between production and the bank, and a roofing CRM or at least QuickBooks. Then timing. The Review is read-only, so nobody comes off a roof and nothing about how the company sells or builds changes for the two weeks. A good window is the end of the local storm season, with the written fix list in hand for the slow months, when the office can put it in place.
Show me roofing clients. Who actually does the reading?
No client case studies yet, in roofing or anywhere else, and we would rather say so than invent one. A team with ten-plus years in strategic consulting and business-process automation. Before Lumina, our people built and ran revenue operations inside a Fortune 500 US financial institution. The free two-tap self-check and the free 20-minute call let an owner judge before anything is paid, and either one can end in “not a fit.” The fee is $4,500, flat and printed, the same for everyone, and the written documents stay with the company whatever it decides next.
Related reading
In depth
The long version, for an owner who wants the detail.
When the window for the depreciation closes
Policies set their own window for asking, within whatever floor state law sets. In California, Insurance Code §2051.5(b) bars a limit shorter than 12 months from the first actual-cash-value payment, or 36 months when the loss relates to a declared state of emergency. Other states and policies differ, so the Review reads the dates, not a rule of thumb.
Why a finished roof can still wait on its second check
On a replacement-cost claim the first check is likely to be the actual cash value, and the rest follows once proof of the work reaches the insurer, as the Texas Department of Insurance explains it to homeowners. What counts as proof is set by the policy and the carrier.
So the step that releases the money is paperwork, not roofing. When sending that proof belongs to no one, the job reads Complete in the CRM while the held-back depreciation stays with the carrier, and the policy’s window for asking keeps running.
Where automation and AI can help once the leak is measured
Tools come after the numbers, and only where a leak justifies them. A person still decides every price and every message.
A supplement checklist that compares the scope built against the insurance estimate before the job closes
A follow-up date on every retail estimate and every inspection that did not sign
A closeout trigger that requests the depreciation release and final payment the day the certificate of completion is signed
AI-assisted reading of inspection photos and notes into a draft scope, checked by the estimator before anything goes to the carrier or the homeowner
The numbers that show whether the fixes hold
We do not promise a result. These are the measures the findings are written in, so the shop can track them after the Review.
Supplements requested before closeout, as a share of insurance jobs
Recoverable depreciation requested and collected, and the days it took
Retail estimates with a follow-up date, and the close rate on them
Days from job completion to final invoice
Material returns and credits recorded against each job
Sources
California Insurance Code §2051.5(b)(1) · California Legislative Information, 2026
Statistics of U.S. Businesses 2022: firms, employment and receipts by enterprise receipts size, 6-digit NAICS · U.S. Census Bureau, 2025
FAQ: Homeowners insurance and disaster claims · Texas Department of Insurance, 2025
The next step
Tell us what isn’t getting followed up. We’ll tell you if we can help.
- Send the form beside this. A person reads it, not a bot or a ticket queue. We call you back the same business day.
- 20-minute call: fit, not yet, or not us.
- If it fits: the Revenue Review, $4,500 flat, two weeks.
+1 (202) 600-6027Mon–Fri, 9 a.m.–6 p.m. ET · A real person answers or calls you back the same business day.