Helping You Make Informed Roofing Decisions

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.

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.

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. 

Choosing the right roofing contractor is an important step in protecting your home, your investment, and your peace of mind. Before signing a roofing contract, homeowners in the St. Louis area should ask for proof of current general liability insurance and workers’ compensation coverage.

It is also a good idea to confirm that the roofing company has the proper experience, manufacturer certifications, and any required licensing for the state where the work is being completed. Illinois does have roofing licensing requirements, while Missouri currently does not have a statewide roofing license program.

Working with an experienced, certified roofing contractor helps ensure your roof is installed properly, your home is protected, and your project is handled by a professional team from start to finish.

Ask details regarding the name of the shingle manufacturer and warranty tier associated with the shingles they plan to install. Verify what manufacturer warranty you are eligible for and whether the company is authorized to offer that warranty level. For example, GAF Master Elite Contractors is a status which is held by fewer than 2 percent of roofers nationally and is required to offer the Golden Pledge warranty, the highest tier GAF provides. Finally, ask for a written scope of work that includes the decking inspection protocol, the underlayment specification, ice and water shield placement at the eaves and valleys, and the drip edge detail. A contractor who cannot answer these questions in detail is unlikely to deliver a roof that performs well over time.

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.

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.

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.

Yes, a new roof is consistently one of the highest-return improvements a homeowner can make before selling. In the St. Louis metro market, a new roof directly reduces buyer concern about one of the most expensive and anxiety-producing systems in the home. Buyers and their agents frequently use roof age as a negotiating point, and an older or damaged roof can result in a significantly reduced offer, a required repair contingency, or the loss of a buyer entirely. National remodeling data suggests that roof replacement returns roughly 60 to 70 percent of its cost in resale value on average, but the more relevant factor locally is that homes with a new roof tend to sell faster and with fewer concessions. If the roof is replaced using an impact-rated Class 4 shingle, buyers also benefit from lower homeowners insurance premiums, which can be a meaningful selling point in markets like St. Louis and the Metro East Illinois area where hail is a regular occurrence. We can provide documentation of the new roof, the materials used, and the warranty details to include in your listing disclosure.

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.

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.

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. 

Hail damage is often invisible from the ground and may not cause a leak for months or even years after the storm event. The most reliable indicators are found on the shingles themselves and on soft metals like gutters, downspouts, and flashing. On asphalt shingles, hail impact typically leaves circular or irregular bruised spots where the granule surface has been knocked away, exposing the darker mat underneath. These impact zones weaken the shingle at that point and accelerate deterioration. On gutters and vents, you may see rounded dents that vary in size depending on the hailstone diameter. Inside the attic, look for daylight in areas where none existed before or for recently wet insulation even without a visible ceiling stain. A professional roof inspection after any reported hail event in your area is the most important step. An inspector will document the damage pattern, measure impact density, and determine whether the damage meets your insurance carrier’s threshold for a covered loss. Even if there is no active leak, documented hail damage is a legitimate insurance claim in most cases.

Technically, many building codes allow a second layer of shingles to be installed over an existing layer, and some contractors offer this as a lower-cost option. However, we do not recommend or perform roof-over installations, and here is why. When new shingles are installed over old ones, the contractor cannot inspect the decking underneath for rot, soft spots, or structural damage. These hidden issues continue to worsen and will eventually require a more expensive repair. The added weight of a second shingle layer also puts additional load on the roof structure, which is a concern in older St. Louis area homes. New shingles laid over existing ones do not lie flat because they follow the contour of the old, curling shingles beneath them, which affects both appearance and performance. From a warranty standpoint, most GAF manufacturer warranties require a full tear-off to be valid, meaning a roof-over installation may leave you without meaningful material or workmanship coverage. Finally, when the roof eventually does need to be replaced, you will pay to tear off two layers instead of one, increasing disposal costs significantly. A proper tear-off gives us visibility into the entire roofing system, ensures a flat and code-compliant installation surface, and is the only approach that qualifies for full GAF warranty coverage.

Summer is one of the most popular times for roof replacement in the St. Louis area, and for good reason. The consistently warm temperatures and extended daylight hours allow installation crews to work efficiently, and dry-in can happen the same day tear-off is completed, which is critical for protecting your home’s interior during the project. Asphalt shingles also seal more reliably in warm weather because the self-sealing adhesive strips on each shingle activate with heat, which improves wind resistance from day one.

The one tradeoff in St. Louis summers is heat. Mid-summer temperatures on a roof surface can exceed 160 degrees Fahrenheit, which means installation windows typically run in the early morning to avoid the hottest part of the day. Our crews are accustomed to this schedule and structure the project to stay on track. Summer is also peak storm season in the St. Louis metro, so if your roof sustained damage in a spring hail event and you have an open insurance claim, completing the replacement before fall is important to meet the terms of most insurance settlements.

You are not required to replace your gutters at the same time as your roof, but it is worth evaluating their condition while the roof is being replaced. During the tear-off phase, we remove the drip edge and detach the gutter guards at the roofline to ensure the new underlayment and flashing are installed correctly underneath. This gives us a clear view of the gutter condition, the fascia behind them, and the drip edge attachment. If the gutters are sagging, pulling away from the fascia, or corroded at the seams, replacing them at the same time as the roof is more cost-effective than returning later.

We install K-style gutters with seamless aluminum construction in a range of colors to match your new roofline. We can also install gutter covers, which reduce maintenance and improve drainage performance, particularly in heavily wooded neighborhoods common throughout West County, St. Charles County, and South St. Louis County. If the fascia boards behind the gutters have any rot or water damage, we address that as part of the project before the new gutters are hung.

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.

Roof ventilation is the system of intake and exhaust airflow that moves air through the attic space. Proper ventilation requires a balance between air coming in at the lower edge of the roof, typically through soffit vents, and air exiting at or near the ridge through ridge vents or box vents. When this balance is maintained, the attic stays close to outdoor temperature in all seasons. In a St. Louis summer, an unventilated or poorly ventilated attic can reach temperatures well above 150 degrees Fahrenheit. This extreme heat radiates into the living space, strains your HVAC system, and literally cooks your shingles from the underside, shortening their lifespan significantly. In winter, inadequate ventilation traps warm humid air from the living space in the attic, which condenses on the decking and can cause rot, mold, and structural damage over time. Ice dams, which occur when snowmelt refreezes at the eave line, are also directly linked to poor attic ventilation. From a warranty standpoint, GAF’s Golden Pledge and Silver Pledge warranties both require that ventilation meet manufacturer specifications. An improperly ventilated attic can void your roofing warranty regardless of the quality of the shingles or installation. During every inspection and installation we perform, we assess the ventilation system and make recommendations if it does not meet GAF standards.

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

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

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.

How you pay for a new roof does not directly affect your homeowners insurance rate. Your insurance premium is tied to the characteristics of your roof itself, including its age, material, and condition, rather than whether it was purchased with cash, a home equity loan, a personal loan, or contractor financing. What does affect your rate is the type of roof you install. In the St. Louis and Metro East Illinois market, upgrading to a UL 2218 Class 4 impact-resistant shingle can qualify your home for a significant premium discount with many carriers, sometimes ranging from 10 to 30 percent annually depending on your insurer.

We offer financing through multiple lending partners, with flexible terms including promotional deferred interest options. If you are financing your roof and also pursuing an insurance upgrade for a Class 4 shingle, we can walk you through the math on how the insurance savings may offset a portion of the monthly payment, making the impact-resistant upgrade even more attractive from a long-term financial standpoint.