Helping You Make Informed Roofing Decisions

For most homes in the St. Louis metro area, a new asphalt shingle roof commonly falls around $4.25 to $10 per square foot installed. Final pricing depends on tear off requirements, roof pitch, roof complexity, ventilation needs, and whether any decking must be replaced. A professional inspection is required for an accurate estimate because roof area is usually larger than a home’s interior square footage.

Signs like missing shingles, leaks, water stains on ceilings, or visible storm damage may indicate repair or replacement is needed. Your roof should be professionally inspected if it is between 10-15 years old. We provide free inspections to give you a clear answer.

Yes. We offer complimentary inspections and estimates so you know the exact condition of your roof before making any decisions.

Absolutely. St. Louis Residential Roofing is fully licensed and insured, giving you peace of mind and protection throughout the project.

A quick planning estimate is to multiply your estimated roof area (in square feet) by the installed cost per square foot. In the St. Louis area, many shingle projects commonly land in the $4.25 to $10 per square foot range, then move up or down based on complexity and upgrades such as impact rated shingles, enhanced underlayment, ventilation improvements, or decking repairs. An on site inspection is the only reliable way to confirm roof measurements and scope. Contact St. Louis Residential Roofing for a free roofing inspection.

Most residential roof replacements are completed in just one day, depending on the size and complexity of the home.

Most asphalt shingle roofs in Missouri begin reaching the end of their useful life around 15 years, and homeowners should plan for replacement.

By this stage, it’s common to see signs like granule loss, brittle shingles, flashing wear, and more frequent repairs. While some roofs may last longer, performance and reliability typically decline after 15 years.

It’s also important to consider insurance. Many carriers begin to “schedule” roofs around 15 years old, meaning they may only cover a depreciated value instead of full replacement cost. Combined with higher deductibles, this can leave homeowners with significant out-of-pocket costs if damage occurs.

For this reason, it’s smart to start budgeting for a roof replacement around year 15, rather than waiting for leaks or storm damage to force the decision.

The best next step is a professional roof inspection to evaluate the current condition and help you plan the right timing.

Yes. We guide you through the entire insurance process, from inspection to claim submission, to ensure you get the coverage you deserve.

We work with asphalt shingles, architectural shingles, and other high-quality materials designed to last in St. Louis’ weather conditions.

We offer manufacturer warranties on materials and workmanship warranties on installation for long-term protection.

A Class 4 shingle is impact rated and designed to perform better in hail prone conditions than standard shingles. In parts of the St. Louis region where hail events are common, Class 4 can be a smart upgrade for homeowners who prioritize durability, long term value, and reduced hail related damage risk. Whether it is worth it depends on your roof design, exposure, and budget. As a GAF Master Elite Certified roofing company, we typically install GAF Class 3 and Class 4 options, and will explain the tradeoffs during inspection.

Yes. We use The-Catch-All protective netting system, and a detailed clean-up processes to ensure your property looks as good—or better—after the project is complete.

With 50+ years of combined experience, a local ownership team, and a white-glove service approach at a fair price, we deliver trusted results every time.

In Missouri, the “statute of limitations” for a property damage lawsuit is technically five years. However, most insurance policies require you to report a claim much sooner—typically within 12 to 24 hours of discovering the damage, or within one year of the storm event. Some carriers may allow up to two years to complete repairs, but waiting too long makes it harder to prove that the damage was caused by a specific storm rather than “wear and tear.”

Yes, it is often possible to file a claim months after a storm, especially if the damage was “hidden” (like hail bruising that didn’t cause an immediate leak). However, the burden of proof increases the longer you wait. We recommend getting a professional inspection immediately to document the “date of loss” and tie the damage to a specific weather event before your policy’s reporting window closes.

Even after your claim is approved, there is a second deadline to be aware of. Most “Replacement Cost” policies hold back a portion of the payment (depreciation) until the work is actually finished. Many insurance companies require you to submit the final invoice for repairs within 180 days to 365 days of the original claim payment to recover that held-back money. If you miss this deadline, you may have to pay that difference out of pocket.

While Missouri law (RSMo 516.120) allows up to five years to bring a legal action for property damage, this does not override the “Prompt Notice” clause in your insurance contract. If you fail to report the damage “as soon as practicable” (a common policy term), the insurance company can deny the claim on the grounds that your delay caused further damage (like mold or rot) that could have been prevented.

You can still file a claim with your previous insurance provider as long as the damage occurred while that policy was active and you are within their filing deadline. Because St. Louis experiences frequent hailstorms, we often help homeowners identify the specific date of a past storm to ensure the claim is filed against the correct policy.

Replacement Cost Value (RCV) and Actual Cash Value (ACV) are the two most common roof coverage structures on Missouri homeowners insurance policies, and the difference can mean thousands of dollars out of pocket. An RCV policy pays the full cost to replace your roof at today’s market prices regardless of its age, minus your deductible. An ACV policy pays only the depreciated value of the roof based on its remaining lifespan, which can leave St. Louis homeowners with $5,000 to $15,000 in additional out-of-pocket costs on an older roof. Many Missouri carriers have shifted to ACV-only coverage for roofs over 10 to 15 years old, so it is critical to read your policy declarations page before filing a claim.

Most St. Louis-area residential roof replacements are completed in one to two days for a typical single-family home. Single-day installations are common for homes under 2,000 square feet with simple roof geometries and sound decking. Two-day timelines are more typical for larger homes, complex roof pitches, multiple dormers, or when the tear-off reveals damaged decking that must be replaced before installation. Throughout the process, we use the Catch-All tarp system (a heavy-duty ground protection system that shields your landscaping and siding from falling debris) and finish every job with a full magnetic sweep to remove nails from your yard and driveway.

Yes, a new roof typically lowers your Missouri homeowners insurance premium by 5 to 20 percent annually, depending on your carrier, the previous roof’s age, and the materials installed. Insurance providers view a new roof as a significantly reduced risk for leaks, wind damage, and total-loss claims. If you upgrade to UL 2218 Class 4 impact-resistant shingles (such as GAF ArmorShield II), the discount can climb to the 15 to 25 percent range with most major Missouri carriers. After installation, we provide the certification documentation you forward to your insurance agent to apply the discount to your next policy renewal.

We use a hybrid model: every project is led by a dedicated in-house project manager who is a full St. Louis Residential Roofing employee, and the installation crews are long-term partner crews we have worked with for years and trained to GAF Master Elite standards. Unlike companies that hire whichever crew is cheapest on a given week, our installers are vetted, factory-trained on GAF systems, and held to the same quality and safety standards as direct employees. Your project manager is on-site throughout the build to coordinate the crew, document progress, and ensure your home is protected from start to finish. 

If we find rotted or damaged roof decking during tear-off, we’ll document it with photos and review it with you on-site. Decking replacement is required for a proper installation—shingles cannot be installed over soft wood without risking failure or voiding warranties from manufacturers like GAF. In the St. Louis area, most homes need 1–3 sheets replaced, averaging about $95 per sheet. We always provide pricing upfront and require approval before proceeding. 

In most cases, insurance only covers sudden, storm-related damage (like a fallen tree or severe impact). Rotted or deteriorated decking is typically considered a maintenance issue and is not covered. However, every claim is different—if decking damage is tied to a covered loss, it may be included. We’ll document everything and help you navigate the process.