Draw a week on paper. Shade 8 to 5, Monday through Friday. That is what one hire buys you if they never get sick. Now overlay last year’s carrier log. The dark cells will not match the shading. They pile up after 6, on Saturday, and on the first dirty day of hurricane season when everyone in the county wants a generator hookup at once.
Lunch is a gap with a polite name
Shops that “just put the cell on the counter” during lunch are asking whoever is eating to also be the front desk. In a two-person office that sometimes works. In a six-van shop it is how the 12:15 estimate request dies.
Storm week is not overtime, it is a different business
Fort Lauderdale does not get a polite queue when the wind comes. You cannot staff that with the same 40-hour person you hired for invoices. If your plan for those weeks is “we’ll all grab it,” write down who is allowed to stop grabbing it when they are on a roof. That conversation is coverage. Everything else is hope.