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Calculate your gross profit and margin on any roofing or restoration job. Enter your payout and costs below to see the full breakdown.
Total insurance payout or approved estimate amount
Shingles, underlayment, flashing, nails, and other materials
Crew wages, subcontractor fees, and labor burden
Applied to total payout. If your overhead is a fixed dollar amount, set percentage to 0% and add it to Additional Costs.
Dumpster rental, permits, temporary repairs, etc.
Enter to see your cost per square (1 square = 100 sq ft)
Insurance Payout
Total revenue from the job
$25,000.00
Material Cost
-$6,000.00
Labor Cost
-$8,000.00
Overhead (10%)
-$2,500.00
Total Costs
Material + Labor + Overhead + Additional
$16,500.00
Gross Profit
Payout minus total costs
$8,500.00
Profit Margin
Healthy
34.0%
This calculator provides a simplified estimate. Actual job profitability depends on change orders, supplements, waste factor, payment timing, and other variables specific to each project.
Most profitable restoration contractors target a gross profit margin between 20% and 35% on insurance jobs. Below 20%, a single change order or material price spike can wipe out your profit. Above 35% typically means the contractor is running lean crews and negotiating material pricing aggressively.
In insurance restoration, overhead and profit is typically calculated as 10% overhead and 10% profit on the estimate line-item totals. This calculator uses overhead as a percentage of the total payout to give you a broader view of your true job costs. Learn more about O&P
Labor is usually the largest variable cost on a restoration job. It includes crew wages, subcontractor fees, workers' comp, and payroll taxes. Tracking labor cost per square helps you benchmark jobs and spot inefficiencies before they eat into your margin. Learn more about labor cost
Material costs include everything from shingles and underlayment to flashing, nails, and ice-and-water shield. Ordering accurately based on the scope and waste factor keeps material spend predictable and protects your margin. Learn more about material orders
Tracking your cost per square across jobs gives you a reliable benchmark. If your average is $250 per square and a new job is coming in at $320, you can investigate before the job starts rather than discovering the problem after the crew is already on the roof.
Upload a PDF scope. CapOut processes it and sends it directly to your Xactimate account.
No credit card required