Compare STL Roofers · Missouri
Missouri rules that change the comparison
Five things about roofing in this state that competitors regularly get wrong on their own websites. Each one changes what a promise on your quote is actually worth.
1. There is no Missouri roofing licence
Missouri has no statewide licensing scheme for roofing contractors. Bills to create one have been filed repeatedly and have not become law: SB 1022 in 2016, SB 153 in 2019 and SB 326 in 2021 all failed. Anyone citing SB 326 as though it were law is citing a bill that did not pass.
What does exist is municipal. Some municipalities in this metro run their own contractor registration or licensing, Ballwin and Kirkwood among them, and requirements differ from one city to the next in a way that surprises people who assume the county covers it. So when a quote says licensed, the honest question is licensed by whom, and the honest answer is usually a municipal registration plus liability and workers compensation insurance. That is a real thing and worth confirming. It is just not a state credential, because there is not one.
Which municipalities are you registered in, and will you pull the permit in my name or yours? A company that already holds registration in your city has worked there before, which is a small but genuine signal.
2. Permits are a local question, and one county is unclear
In unincorporated St. Louis County, a like for like asphalt shingle replacement on a slope of four in twelve or steeper generally does not require a permit. A permit is generally required if the slope is shallower than that, if more than a quarter of the decking is being replaced, or if the roofing material is changing. Municipalities inside the county set their own rules on top of that, so your city may require one where the county would not.
For St. Charles County this site will not state a rule. The official guidance page is currently returning an error and the secondary sources conflict with each other, which means anything published here would be a guess dressed as a fact. Call the St. Charles County building division and ask before the crew arrives. If your roofer tells you confidently that no permit is needed anywhere in the county, ask how they know.
3. Missouri has no matching law
This one comes up constantly and is almost always stated wrongly. Missouri has no statute and no regulation requiring an insurer to replace undamaged roofing so that the repair matches. The regulation people cite in support of that claim governs automobile body parts, not roofs, and importing it into a roofing conversation is simply an error.
What Missouri has is case law. Alessi v. Mid-Century Insurance, 464 S.W.3d 529, Missouri Court of Appeals Eastern District, 2015, is the decision usually cited, and the practical position is that whether a mismatch has to be addressed turns on the wording of your own policy rather than on a state rule. So the useful move is not to argue about the law. It is to read your policy language, and to have your roofer document the extent of the damage carefully so that whatever the policy says can be applied to an accurate record.
Missouri's limitation period for suing an insurer on a written contract is ten years under RSMo 516.110(1), and RSMo 431.030 makes a contractual clause that tries to shorten a limitation period null and void. So a policy condition purporting to give you one year to sue does not, on its face, do what it says. That is a question for a lawyer rather than for a roofer, and it is worth knowing that the clause is not the end of the conversation.
4. What a roofer may and may not say about your claim
A contractor shall not represent or negotiate, or offer or advertise to represent or negotiate, on behalf of an owner or possessor of real estate on any insurance claim in connection with the repair or replacement of roof systems.
RSMo 407.725. It means a roofer who offers to handle your claim is offering something Missouri law does not permit, and a roofer who advertises anything at all about your deductible is doing something the same statute bars. What a contractor may lawfully do is document the roof, put the scope in writing, and meet the adjuster on site as the contractor. The claim stays yours.
Read your quotes with that sentence in mind. If one of them was won on an assurance that the company would take the claim off your hands, the assurance was not something the company was permitted to offer, and it is fair to wonder what else on the page was said for effect. The lawful version of the same service is genuinely valuable: photographs, measurements, a written scope, and the contractor on the roof when the adjuster inspects, with every document copied to you. More on comparing across that line.
If you want a professional working for you on the claim itself, that role is filled by a public adjuster, licensed separately under chapter 325 of the Missouri statutes. There is no statutory cap on their fee, and RSMo 325.055 bars them from performing the repair work on the same loss, which keeps the two jobs apart on purpose.
5. The homestead deductible tax credit, which expires next year
Under RSMo 135.445 Missouri offers a tax credit equal to the amount of a homestead insurance deductible incurred during 2025, capped at five thousand dollars. It is transferable, and the statute provides that no new credits are issued after 15 October 2026.
Almost nobody in this trade mentions it, and it is not a roofing product, so nothing on your quote will reference it. If you had a covered loss on your home in 2025 it is worth raising with whoever prepares your taxes, because the window closes next autumn. This site is not qualified to advise you on it and is not trying to: it is simply a real, sourced provision that is about to lapse and that a lot of St. Louis homeowners with 2025 storm losses have never heard of.
Why this page exists on a comparison site
Because most of what makes one quote better than another is invisible, and law is one of the few parts of the picture that is written down and checkable. A company that states Missouri law correctly on its own website has done a small amount of homework in public. A company that repeats the matching myth, or advertises to handle a claim in a way the statute does not permit, has told you how carefully it reads things. That is not proof of anything about their flashing work. It is a data point, and on a decision this opaque, data points are worth collecting.
If you want a written scope that lines up against the two you already have, that is a phone call. The measurement, the photographs and the written scope are yours to keep whether or not you hire anybody.
Written by somebody who knows what may not be said
The rules above are mostly rules about language: what a Missouri contractor may promise, what no statute actually requires, and how long you have to act on any of it.
Under RSMo 407.725 a Missouri roofing contractor may not represent or negotiate a homeowner's insurance claim, and Keys does not. What Keys does provide is documentation, which is measurements, photographs and a written scope that belongs to you.
Straight through to the Keys Roofing office. If you would rather talk it through than type it out, this is the line.
Ask for the third scope
Roof replacement. St. Louis metro only.
This goes to Keys Roofing and nowhere else. No company named anywhere on this site receives it, and none of them pay to be mentioned.