PDF Bank Statement to QuickBooks for Roofing Companies: Convert Roofing Contractor Statements to QBO

A roof replacement gets paid for in pieces that land weeks or months apart: an actual cash value check from the carrier up front, the homeowner's deductible, a recoverable depreciation check after the job passes final, sometimes a supplement for the decking or drip edge the adjuster missed, and on a big loss a two-party draft the mortgage company has to endorse. On the other side, ABC Supply, SRS, Beacon, and Home Depot bill material to your account, and subcontractor crews get paid by the square. PDFQBO converts each PDF statement into a QuickBooks QBO file so every insurance check, deductible, and supply-house charge reaches your books with the right date and amount.

Quick answer

To get a roofing company bank statement into QuickBooks, convert the PDF to a QBO file first. Upload the operating account statement to PDFQBO, review the ACV and RCV insurance deposits, homeowner deductibles, supplement checks, retail progress payments, and supply-house charges it reads, and download a QBO (Web Connect) file. Import that file into QuickBooks Online or Desktop, then code each line to the job: apply insurance and mortgage checks against the claim invoice, keep supply-house charges as job costs, and split subcontractor pay for 1099s.

ACV and RCV insurance checks Supply-house job costs Review before import

Last updated July 2026

Convert a roofing company statement to QBO

Upload an operating account or supply-card PDF and download a QBO file for QuickBooks.

No credit card required to try your first statement.

Any bank

Operating and card

QBO + IIF

Online and Desktop

Per-job

Cost every claim

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Files removed after use

How to convert a roofing company statement to QuickBooks

Four steps take you from a PDF statement to a QBO file QuickBooks accepts, whether the money is an insurance check coming in or a supply-house payment going out.

Gather the PDFs

Download the monthly statement from the operating account where insurance checks and homeowner deposits land, plus any business card or supply-house card you charge materials and fuel on.

Upload to the converter

Drag the statements into the tool above. A storm month with forty deposits converts as easily as a quiet winter, and you can upload several months at once when you are catching up after a busy season.

Review the transactions

PDFQBO reads the date, description, and amount on each line and keeps deposits and payments on the correct side. Check the table, confirm the ACV and RCV checks, deductibles, and supply-house charges, then export a QBO or IIF file.

Import and categorize

Upload the QBO file from the Banking screen in QuickBooks Online, or import the Web Connect or IIF file in Desktop. Then apply each insurance check to its claim, post material to job costs, and split subcontractor pay.

Why roofing company books are hard to get into QuickBooks

One insurance job pays in two or three separate checks

A storm claim rarely arrives as a single deposit. The carrier issues the actual cash value first, which is the replacement cost minus depreciation and the homeowner's deductible. You collect the deductible from the homeowner. Then after the roof is finished and you send the certificate of completion and final invoice, the carrier releases the recoverable depreciation, the RCV check. Approved supplements for extra decking, ice-and-water shield, or code items come in later still. That means a $22,000 job might show up as a $9,000 ACV deposit in March, a $3,000 deductible in April, an $8,000 RCV check in June, and a $2,000 supplement in July. If you only look at the bank line, you cannot tell which claim each check belongs to. Converting the statement gets every deposit in with its exact date so you can apply it against the claim invoice and see when a job is fully collected.

Mortgage companies endorse the check and release it in draws

When a home carries a mortgage, larger insurance checks are usually made payable to the homeowner and the lender both, and the lender holds the funds. They release the money in draws after an inspector confirms the work is a percentage complete, so your deposit may land in two or three pieces on the lender's schedule rather than the carrier's. The homeowner endorses, the lender endorses, and the timing is out of your hands. Getting each draw into QuickBooks with its real date is the only way to reconcile what the claim was worth against what has actually cleared the bank.

The deductible is revenue you have to chase, and cannot waive

The homeowner's deductible is part of the contract price, not a discount. Waiving it or eating it is insurance fraud in most states, so it has to be collected and it has to show on the books. It arrives separately from the insurance money, often on a card or a personal check, sometimes in installments. Keeping deductible collections visible as their own dated lines is what proves each claim was billed and collected in full.

Material runs on account at the supply house, not per job

Shingles, underlayment, and metal go out on your ABC Supply, SRS, Beacon, or Home Depot Pro account and get billed monthly, often across several jobs at once. One statement charge can cover three roofs, and the delivery ticket, not the bank line, tells you which. If material never gets split back to the job, your job-costing is fiction and you cannot tell a profitable claim from one you lost money on. Converting the card or supply account statement gets every charge in so it can be tagged to the right job.

Crews are paid by the square, and most are subcontractors

Install crews are frequently 1099 subcontractors paid per square or per job, in irregular amounts on irregular days as roofs finish. Those payments hit the operating account mixed in with everything else. If subcontractor pay is scattered across generic withdrawals, you cannot see labor cost per job, and January's 1099 filing becomes a hunt across twelve statements for who got paid what.

Built for roofing and restoration books

One tool for every line on the statement, so a storm-season month goes into QuickBooks in minutes instead of an evening of typing.

Insurance checks in with dates

Every ACV, RCV, and supplement deposit lands with its exact date and amount, so you can apply it to the right claim and see the moment a job is finally paid in full.

Deductibles kept visible

Homeowner deductible collections come through as their own transactions so you can prove each claim was billed and collected in full instead of blending it into insurance income.

Supply-house charges handled

A supply account or business card statement full of material runs converts the same way a bank statement does, so every charge reaches QuickBooks and can be tagged to the job it belongs to.

Mortgage draws tracked

Two-party checks released in draws arrive as clean dated lines so you can reconcile what the lender has disbursed against the total claim value on that home.

Per-job job costing

Once material, labor, and dumpster and permit fees are all in QuickBooks with dates, tagging by customer or job makes per-claim profit something you can read instead of guess.

Reads any bank's layout

A national bank, a local credit union, or a supply-house card each format a statement their own way. PDFQBO finds the transaction rows on each one and leaves out the summary boxes that are not transactions.

Who uses it in roofing and restoration

Anyone keeping a roofing contractor's books in QuickBooks from PDF statements.

Storm and insurance restoration roofers

Most of the work is claims, and every job pays in ACV, deductible, RCV, and supplement pieces. Converting the operating account statement gets each check in with its date so you can apply it to the claim and know when a job is closed.

Retail and re-roof contractors

Cash and financed jobs paid with a deposit and a final draw, plus material on account. Converting the statements keeps deposits, progress payments, and supply charges tied to the job instead of scattered.

Commercial and multifamily roofers

Fewer, much larger jobs with retainage held back and long payment cycles from general contractors and property managers. Complete, dated books are how you know which contracts have actually paid and which retainage is still outstanding.

Bookkeepers with contractor clients

Clients hand you a stack of insurance checks and a bank PDF that do not obviously line up. One converter for every account gives you a repeatable way to bring a roofer's month into QuickBooks and reconcile it to the claims.

Common roofing company categories once the transactions are in

Once the statements are converted and imported, you code each transaction to an account. These are the accounts a roofing business leans on most, and having every line in QuickBooks is what makes per-job and per-crew profitability real numbers instead of a feeling.

• Contract income by job applied against the claim or contract invoice, not posted straight to a single income line.
• Materials and supplies for shingles, underlayment, metal, and fasteners, tagged to the job from the supply-house detail.
• Subcontractor labor paid per square, split by crew for year-end 1099 reporting.
• Dumpster, permit, and disposal fees which are per-job costs and belong in the claim's cost of goods.
• Equipment and vehicle costs for trucks, trailers, and lifts, with fuel kept separate from repairs.
• Insurance, licensing, and bonds which are heavy in this trade and belong in their own accounts.
• Sales commissions to canvassers and reps, often paid as a percentage of the approved claim.

For the supplier balances you carry on account, see entering and paying a bill in QuickBooks, and for material bought on a business card see importing corporate card transactions. For the retainage a general contractor holds back, see handling a partial payment or deposit. For coding the imported lines, see categorizing bank transactions in QuickBooks.

Frequently asked questions

How do I record an insurance claim payment in QuickBooks for a roofing job?

Invoice the job at the full claim amount, then apply each insurance deposit against that invoice as it arrives. The ACV check, the homeowner deductible, the RCV check, and any supplement all reduce the same balance, so when they add up to the invoice the job is fully collected. Posting each check straight to income instead of applying it to the invoice leaves you unable to tell which claims are still owed money.

What is the difference between ACV and RCV on a roofing claim?

ACV, actual cash value, is the replacement cost of the roof minus depreciation and the deductible, and the carrier pays it up front. RCV, replacement cost value, is the full amount; the carrier holds back the depreciation and releases it as the recoverable depreciation check only after the work is done and you submit proof of completion. In your books both apply against the same claim invoice, just on different dates.

How do I record a two-party insurance check with a mortgage company?

Record each draw the mortgage company releases as it hits your account, applied to the claim invoice for that home. The lender endorses the check and disburses the funds in stages after inspections, so you may see two or three deposits instead of one. Track them against the total claim value so you can see how much the lender still holds and when the job is finally paid.

How do I track job costs per roof in QuickBooks?

Get every material charge, subcontractor payment, dumpster, and permit fee into QuickBooks, then tag each one to the job using the customer or job field. The supply-house statement lists each charge with a date and amount, so converting it gives you the raw lines to assign. Once material and labor are both tagged to the job, a job profitability report shows the real margin on each claim.

What accounting software do roofing companies use?

Most roofing companies use a CRM or estimating platform such as AccuLynx, JobNimbus, or Roofr for the sales pipeline and production, and QuickBooks for the general ledger, payroll, and financial statements. Some of those tools sync to QuickBooks and some do not, which is why the bank statement stays the source of truth. Converting each statement to a QBO file keeps the accounting side complete regardless of what the CRM exports.

How do I get a roofing company bank statement into QuickBooks?

Convert the PDF statement to a QBO file, then import it. Upload the operating account or supply-card statement to PDFQBO, review the insurance checks, deductibles, progress payments, and supply-house charges it reads, and download a QBO (Web Connect) file. In QuickBooks Online you upload it from the Banking screen; in Desktop you import the Web Connect or IIF file. Then apply each line to the right job.

Is QuickBooks good for a roofing company?

QuickBooks works well for a roofing company when insurance checks are applied against claim invoices, deductibles are collected and recorded, material and labor are tagged to each job, and subcontractors are set up for 1099s. A production CRM runs the sales and job pipeline; QuickBooks is the accounting book of record, and converting your statements keeps the two in agreement.

Get your roofing company statements into QuickBooks

Upload an operating account or supply-card PDF, review the insurance checks, deductibles, and material charges, and download a QBO file QuickBooks accepts. No install, and your first conversion is on us.

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