Invoicing App for Roofers
Send retail estimates that respect your state's deposit law, manage insurance restoration jobs without losing track of the depreciation check, and collect from the truck through Square.
How roofers use BillRig
$14,000 retail reroof in California
Generic templates suggest a 25–30% deposit. California law caps it at $1,000. BillRig fills the legal cap into the deposit field automatically and structures the rest as compliant progress payments tied to tear-off, dry-in, and final.
Insurance restoration with two checks
ACV check on day one, depreciation released after completion. Build separate line items for insurance, deductible, and upgrades — the homeowner sees exactly what each payment covers and the second check lands without a phone-call campaign.
Storm-damage emergency tarp at 8 PM
Hail just put a hole in the roof. The homeowner needs a tarp tonight and a full estimate by morning. Build both on your phone in the driveway, get the emergency authorization signed, send the formal estimate before dawn.
New York's deposit ban
GBL § 771-B prohibits roofers from requiring a deposit. For NY jobs, the compliant payment flow is materials invoiced on delivery with written cost disclosure, and the balance invoiced on completion. No guessing at the payment structure before you collect.
BillRig vs. generic invoicing tools
| Feature | BillRig | Generic Tools |
|---|---|---|
| Offline mode | ||
| Square payments | ||
| State compliance rules | ||
| Voice-to-estimate | ||
| Mobile-first design | ||
| Basic invoicing |
Deposit Caps for Roofers: State-by-State
Roofing is one of the most deposit-exposed residential trades in every state. California caps your deposit at the lesser of $1,000 or 10% — on a $14,000 reroof that's $1,000, not the $1,400 a generic invoice template suggests. New York actually bans roofer deposits entirely under GBL § 771-B; the compliant flow is materials invoiced on delivery with written cost disclosure, and the balance invoiced on completion. Generic invoicing tools don't surface any of this. For supported states (currently Arizona and California), BillRig surfaces your state's cap in the deposit field based on the job site address. For other states, our 50-state guide explains the rule to apply.
Top 10 States roofers Operate In
- California — Lesser of $1,000 or 10% of contract price; no exceptions for "materials". See full California rules.
- Texas — No statutory cap; trust-fund obligations apply on deposits collected. See full Texas rules.
- Florida — No statutory cap, but if initial payment exceeds 10%, the contractor must apply for permits within 30 days and start within 90. See full Florida rules.
- New York — No numeric cap; advance and progress payments must be held in escrow or protected by bond. See full New York rules.
- Pennsylvania — On contracts over $5,000, deposit capped at one-third of contract price (or one-third plus special-order materials). See full Pennsylvania rules.
- Illinois — No statutory cap; written contract and consumer brochure required for most home repair work. See full Illinois rules.
- Ohio — On contracts over $25,000, deposit capped at 10% (up to 75% allowed for nonreturnable special-order items). See full Ohio rules.
- Georgia — No statutory cap; consumer-fraud exposure for abusive deposit practices. See full Georgia rules.
- North Carolina — No statutory cap; cooling-off rules apply for in-home sales. See full North Carolina rules.
- Michigan — No statutory cap; owner payments are trust funds and misappropriation can be a felony. See full Michigan rules.
For any state not listed, see our complete 50-state guide.
Common roofers jobs on BillRig
Why roofers Choose BillRig
Retail reroofs and storm-damage restoration jobs operate under completely different payment models. Retail jobs in most states allow a structured deposit — typically 25–40% — followed by a tear-off / dry-in progress payment and a balance on completion. Insurance restoration jobs flip the model: the homeowner's first ACV check from the carrier effectively is the deposit, the homeowner is contractually responsible for the deductible, and depreciation is released after completion. BillRig tracks both flows on the same invoice — you don't need separate templates for retail and restoration.
Many states cap or restrict what you can ask for upfront. California's 10%-or-$1,000 cap (BPC § 7159.5), Maryland's one-third (MHIC § 8-617), Pennsylvania's one-third on contracts over $5,000 (HICPA § 517.7), Tennessee's one-third (§ 62-6-510), Nevada's $1,000-or-10% (NRS 624.940), Ohio's 10% on contracts over $25,000 (RC ch. 4722) — and New York's outright ban on roofer deposits under GBL § 771-B. For supported states (currently Arizona and California), BillRig surfaces the cap in the deposit field based on the job site address. For other states, our 50-state guide covers what to apply manually.
Insurance restoration brings its own paperwork problem. Two-check structures (ACV first, depreciation released after completion) confuse homeowners. Some homeowners pocket the depreciation check. Some carriers send the second check directly to the contractor. With BillRig, you can break the estimate into separate line items for insurance covered, deductible, and upgrades out-of-pocket — the homeowner sees exactly what each payment covers, and the depreciation release lands where it should.
Most roofing days happen on a phone in a driveway with poor signal. BillRig captures the estimate without a connection — measure the roof, take photos, dictate line items, sign on the spot — and syncs the moment you're back in range. Square handles the payment side: card, ACH, Cash App. No second app. No Venmo screenshots. The deposit (where legal) clears on Square's standard schedule and the rest of the schedule tracks itself.
Related reading
Contractor Deposit Limits by State
Full 50-state guide to deposit caps, with the New York roofer-specific ban under GBL § 771-B and California's $1,000 cap explained.
How to Invoice as a Contractor
Step-by-step guide to professional invoicing — from setting payment terms to following up on late payments and depreciation checks.
How to Get Paid Faster as a Contractor
9 practical tips to shorten your payment cycle and keep cash flow steady between jobs.
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