Late payment letter for roofers (UK)
Chase an unpaid roofing invoice calmly, even when the customer says they're waiting for their insurer.
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Not legal advice. This letter is a polite payment reminder. It does not add interest or make legal claims. For your rights when a business customer pays late, see GOV.UK: late commercial payments.
"I'm waiting for the insurance"
It's the most common reason roofers are paid late. The homeowner had storm damage, you fixed it, and now they're waiting for the insurer to pay out. Remember who your customer is. Unless you agreed otherwise, the homeowner owes you the money, not the insurer.
Be understanding but clear. A first reminder can acknowledge the claim and still ask for payment by a set date, or ask the customer to agree a date in writing. If the insurer has asked for more information, such as photos or a report, send it quickly. It speeds up their payout and yours.
Using the three reminders
- First reminder: friendly. It confirms the work and amount, and asks for payment by a new date.
- Second reminder: gives the number of days overdue and offers a payment plan if the customer is waiting for funds.
- Final reminder: firm, for when you've had no reply. It says you may need to consider other ways of recovering the debt.
Add anything specific in the extra message box, for example "I've attached the photos your insurer requested."
Business customers
For letting agents, property managers or main contractors, GOV.UK explains when a business can claim statutory interest and compensation on late commercial payments. This letter doesn't add either.
This template is a polite reminder, not legal advice. For large or disputed debts, get advice.
Prevent it next time
For insurance jobs, agree in writing at the start when you'll be paid. That might be on completion, or within a set number of days, whatever the insurer does.
Frequently asked questions
Can I invoice the insurer directly?
Only if that's been agreed. Usually the homeowner is your customer and claims the money back.
The customer says the roof is still leaking. Should I chase?
Go back and check first. If the leak is from another part of the roof, explain that in writing and quote for it separately.
How soon should I send a reminder?
A few days after the due date. Keep the first one friendly.