Missouri facts a roofing ranking leaves out
A ranking tells you which companies exist. It tells you nothing about the rules those companies operate under, and in Missouri several of those rules are the opposite of what the trade repeats. Everything below is sourced and dated. Where the position is genuinely unclear, this page says so rather than inventing certainty.
There is no Missouri roofing licence
Missouri has no state licensing scheme for roofing contractors at all. Three separate bills that would have created one, SB 1022 in 2016, SB 153 in 2019 and SB 326 in 2021, all failed to become law. Anybody quoting SB 326 at you as though it were a live requirement is quoting a bill that died.
Licensing here is therefore entirely municipal and it changes across a few miles of road. Ballwin and Kirkwood run their own contractor licensing. St. Louis County has its own registration requirements. The check is always the same: call the building department for the municipality your house sits in and ask whether that company is registered to pull a permit there.
Permits, and one place this page will not pretend to be certain
In St. Louis County, a like for like asphalt shingle reroof 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 the material is changing, or if more than a quarter of the decking is being replaced. Municipalities can and do add requirements on top of the county position.
For St. Charles County the official guidance page is currently unreachable and the secondary sources contradict each other, so this page states no rule for it. If your house is in St. Charles County, ask the county building division directly and get the answer from them rather than from a contractor or from a page like this one.
Missouri has no matching law, whatever anybody tells you
This is the single most commonly repeated falsehood in roof claim conversations in this state. Missouri has no matching statute and no matching regulation covering residential roofs. The administrative citation people quote at each other in this argument governs automobile body parts, not buildings, and the uniform appearance language circulating with it belongs to a different state's rule entirely.
What Missouri actually has is case law, and the case is Alessi v. Mid-Century Ins., 464 S.W.3d 529 (Mo. App. E.D. 2015). Whether an insurer owes you a uniform result across a roof therefore depends on the wording of your own policy rather than on a statute, which means the answer is in your policy document and nowhere else.
What a roofing contractor may not do here
RSMo 407.725 provides that 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. The same statute forbids a roofer to advertise that it will pay your deductible or absorb any part of it, and a violation is an unfair practice under the Missouri Merchandising Practices Act.
So a salesperson at your door who offers to handle your claim is offering something the statute governing their own trade forbids. What a contractor may lawfully do is photograph and measure the roof, produce a written scope, and be on site as the contractor when the adjuster is there. The claim stays in your name throughout.
Two limitation facts that are worth more than they look
The limitation period for suing an insurer in Missouri 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, which means a line in a policy giving you twelve months to sue does not do what it appears to do. Neither fact is a reason to delay, and neither is legal advice. Both are worth knowing before somebody tells you that your window has closed.
A public adjuster is a different profession entirely
Public adjusters are licensed separately in Missouri under RSMo chapter 325. Missouri sets no cap on what they may charge, and RSMo 325.055 bars a public adjuster from also performing the repair work. That separation is deliberate, and it is the reason a roofing company cannot lawfully occupy both roles at once.
The tax credit that expires in October
RSMo 135.445 created a Missouri tax credit equal to the homestead insurance deductible a homeowner incurred during 2025, capped at $5,000 and transferable. It stops issuing new credits after 15 October 2026. It is real, it is limited, it has a hard closing date, and almost nobody in this market is writing about it. If a 2025 storm cost you a deductible on your own home, this is worth raising with whoever prepares your return, well before the deadline.
Why there are 222 roofing contractors in one metro
Weather, mostly. NOAA logged 125 hail reports in St. Louis County from 2020 through 2025, with a largest recorded stone of 2.5 inches and an average of 1.32 inches. St. Charles County logged 54 over the same period, Jefferson 44 and Franklin 30. Those are counts of reports made by human beings, not counts of insured losses, and reporting density tracks population, so the county with the most people will always look like the county with the most hail.
The scale of the recent seasons is easier to see in the claim figures. The Missouri Department of Commerce and Insurance recorded 253,241 catastrophic claims from the 2025 season with more than $2.9 billion paid, around 83 per cent of it residential. The Insurance Information Institute, citing NOAA storm prediction data, ranked Missouri fifth nationally for major hail events with 253 in 2025. State Farm separately ranked Missouri second nationally for hail claim dollars paid, which is a different measurement of a different thing and should not be added to the first.
And then there was 16 May 2025. The National Weather Service rated that tornado EF3 at 152 mph. It began near Clayton at 2:41pm and tracked 22.6 miles, reaching a maximum width of 1.8 miles, the widest in this region in records that go back to 1950. Five people were killed. FEMA disaster declaration DR-4877-MO covered St. Louis City and County and approved 9,427 individual assistance awards totalling $58.13 million, with $105.01 million in public assistance.
Roughly 56 per cent of this metro's annual hail reports fall in April and May, according to the NOAA storm prediction climatology for the local forecast office. That is the season that fills the market with roofing companies, and it is also the season that fills it with people who are only here for one spring.
Want Keys Roofing on your roof?
Every argument on this site is that a list cannot tell you whether a crew is any good, and that you have to get somebody on the roof and read what they write down. Keys Roofing is the company this site puts at number one on both of its rankings, and it holds that position on the five criteria printed in the How we rate box rather than on anything Google publishes about it.
What an inspection here produces is a set of photographs, a measurement of the roof, and a written scope that names the material, the underlayment, the flashing work, the ventilation and what happens if the decking underneath turns out to be soft. You keep that document whether or not you hire anyone. If a storm claim is part of your story, the claim stays in your name: under RSMo 407.725 a Missouri roofing contractor may not represent or negotiate it for you, and Keys does not.
Roofing, gutters and downspouts across greater St. Louis. No siding, no windows, no commercial work.
This reaches Keys Roofing, the number one entry on both rankings. It does not reach any of the other companies named on this site, and nothing you type here is passed to them.