Module 6 · 22 plays
The Money System
The biggest module, in four runs: collect what you're owed (01, 02, 03, 09, 10), price, paper and bill so jobs keep their profit (04, 06, 07, 17, 18, 19), insurance money (08, 13, 14, 15, 16, 20, 21, 22), and the cash cushion (05, 11, 12).
The plays
Collect what you're owed · 5 plays
- M6-01Fifteen Minutes a Week on the Money You're OwedFifteen minutes a week on the money you're owed: an aging list of every unpaid invoice, oldest first, so you find it before payroll does.Spreadsheet
- M6-02If "the Office" Owns It, Nobody DoesPut one name on the money you're owed. "The office handles it" isn't a person — so the invoice sits, and you find out the week payroll's thin.Printable card
- M6-03The Call You're Not Making Is Costing YouHow to ask a customer for payment without it feeling like begging: the collection call script, word for word, and when to make it.Printable card · En español
- M6-09The Lien Is the Hammer You Only Swing When They Flat Refuse to PayThe mechanics lien is the last hammer, not the first: what to send before it, when a notice of intent moves the money, and who to call first.
- M6-10Know What You've Earned Before the Bank Tells YouA WIP schedule for a roofing shop: what each job has actually earned versus what you've billed, so an over- or under-billing doesn't drain July.Spreadsheet
Price, paper and bill so jobs keep their profit · 6 plays
- M6-04Find the Loss Before You Sign the BidWhy roofing jobs lose money: the tear-off that ran long, the access nobody priced, the second layer nobody caught. Find the loss before you sign.Printable card
- M6-06Price Every Job to Keep the Profit You Meant ToHow to price a roofing job to the margin you meant to keep — and why a 20% margin needs a 25% markup, not a 20% one. Free job-cost sheet.Spreadsheet
- M6-07Set When You Get Paid So You Never Fund the Job YourselfA roofing payment schedule that stops you funding the job: deposit, draws and final, set before you sign, so your cash isn't buying their roof.Spreadsheet
- M6-17Found Rot at Two O'Clock? Nothing Else Happens Until It's SignedA roofing change order form for the rot you find at two o'clock: nothing else happens until it's signed, priced and on the homeowner's phone.Spreadsheet · Printable card · En español
- M6-18Before Anybody Tears Off, It's All on the PageWhat a roofing contract should include: the scope, the dates and the exclusions that decide the fight you'd otherwise have on day three.Printable card
- M6-19When the Last Check Clears, Grade the JobJob costing for a roofing company: when the last check clears, set the bid against what the roof actually cost and grade the job.Spreadsheet
Insurance money · 8 plays
- M6-08The Carrier's First Number Is a Starting Point, Not the CheckHow to write a roofing insurance supplement: the carrier's first estimate is a starting point, not the check. Line items, photos, and the ask.Spreadsheet
- M6-13Your Storm Money Comes in Stages — Know Who's Holding Each PieceThe roof insurance claim, stage by stage: ACV check, deductible, depreciation and who's holding each piece — so no money gets lost in between.
- M6-14The Second Check You Never Went Back ForHow to get recoverable depreciation released on a roof claim: the second check you already earned, the paperwork that frees it, and when to send it.Spreadsheet
- M6-15Know Whose Name Is on the Check Before You Spend ItThe insurance check with the mortgage company's name on it: check whose name is on it before you spend it, and what it takes to get it endorsed.
- M6-16When They Ask You to Eat the Deductible, Have Your Answer ReadyWhen a homeowner asks you to eat the deductible: why "we'll cover it" is a line you don't cross, and the answer to have ready at the table.Printable card · En español
- M6-20Find Out What the Policy Actually Pays Before You Price the RoofACV vs RCV on a roof claim: find out what the policy actually pays before you price the roof, so there's no shortfall standing on your side.Printable card
- M6-21Say the Out-of-Pocket Number Out Loud, EarlyWhen insurance doesn't cover the full roof: say the out-of-pocket number in the driveway, early — not to a homeowner under a finished roof.Printable card
- M6-22A Supplement Nobody Answers Isn't Denied — It's ParkedSupplement with no response from the carrier? It isn't denied — it's parked. How to work a parked supplement until somebody answers it.Printable card
The cash cushion · 3 plays
- M6-05When Payroll's on the Line, Meet on Cash Every DayThe week you might not make payroll: meet on cash every morning, work the money that's owed, and know Friday's number before Friday.Printable card
- M6-11Fill the Tank in Summer So Winter Doesn't Break YouBuild the cash reserve that carries a roofing shop through the off season: what to set aside every busy month, and the number that says how much.Spreadsheet
- M6-12Make Your Supplier Your Bank — Without Owing ThemSupplier credit and net-30 terms for a roofing shop: how to use the account to smooth cash without turning it into a balance you can't clear.