Your Trusted Partner in Residential Roofing.

FAQ

Helping You Make Informed Roofing Decisions

Frequently Asked Questions

How much does a new shingle roof cost per square foot in St. Louis?

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.

How do I know if my roof needs to be replaced or just repaired?

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.

Do you offer free roof inspections in St. Louis?

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

Are you licensed and insured?

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

How can I estimate my roof replacement cost for my home size?

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.

How long does a roof replacement take?

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

Is a 20 year old roof too old in Missouri?

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.

Do you help with insurance claims for storm damage?

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

What types of roofing materials do you install?

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

What warranties do you provide?

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

What is a Class 4 shingle, and is it worth it in the St. Louis area?

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.

Will your crew protect my landscaping and property during the job?

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.

Why should I choose St. Louis Residential Roofing over other companies?

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.

How long do I have to file a roof insurance claim after a storm in Missouri?

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.”

Can I still file a claim if the storm happened 6 months or a year ago?

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.

What is the deadline to collect “Recoverable Depreciation” on my roof?

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.

Does the Missouri 5-year statute of limitations protect my roofing claim?

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.

What happens if I discover storm damage after I’ve already switched insurance companies?

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.