Storm Season Is Coming: Do You Have a CFO or Just a Bookkeeper?
When hurricane season hits, restoration businesses are flooded—with calls, jobs, billing issues, and logistical chaos. It’s tempting to think your success comes down to speed and manpower.
But the companies that come out ahead?
They have financial strategy—not just clean books.
Bookkeeping Gets You Through the Week.
A CFO Gets You Through the Storm.
Most restoration companies lean on a bookkeeper to keep things compliant and reconciled. That’s necessary—but not sufficient during storm season.
What a fractional CFO brings to the table is this:
Bookkeeper | CFO
----------------------------------|-----------------------------------------------
Records what happened | Plans for what’s coming
Tracks revenue | Projects cash flow under surge conditions
Codes expenses | Helps you scale profitably under load
Reconciles accounts | Measures ROI on staffing, equipment, and marketing
Keeps you tax-ready | Keeps you financially storm-ready
What Storm-Ready Financial Strategy Looks Like
When the next major event hits—whether a hurricane, derecho, or flood—you need to know:
How many jobs can you take on before you hit a cash crunch?
Where is your margin slipping when labor and subs get tight?
Are you pricing storm work differently, or just guessing?
What’s your collection lag on TPA work vs. direct jobs?
A strong CFO partner builds out the reports and forecasts that give you answers before the pressure hits.
Common Financial Traps During Storm Season
Even experienced restoration contractors run into these cash-killing issues:
Burning through reserves to float subcontractors while waiting for insurance payments
Invoicing delays that stall cash flow and damage credibility
Adding new crews or trucks without adjusting markup or overhead allocations
Taking on high-risk jobs without clear profitability modeling
What Kiwi Cash Flow Clients Get
As a CFO partner, we help restoration companies:
Build cash flow forecasts that factor in storm surge work
Track earned vs. unearned revenue and WIP to understand profitability mid-job
Set pricing strategy that adjusts for travel, scope creep, and emergency response
Align your team, tech, and billing systems to avoid margin leaks
Storm season can double your revenue—or drown your profits. We help make sure it’s the former.
🧭 Want to prepare for storm season with a clear financial game plan?
Let’s talk about how our CFO services can help you grow without guesswork.
👉 Schedule your strategy call now.