Every page on this site

Everything published on Missouri Roof Claims, newest first. This site covers Missouri and the greater St. Louis area, and every page on it is written to be useful on its own rather than to lead somewhere. Keys Roofing is the contractor behind it and the phone number on every page reaches the Keys office directly.

A homeowner reading any one of these is usually part way through a decision and short of one specific fact. The list below says what each page answers, so you can go to the one you need instead of reading the site.

• How this guide is sourced, and what it leaves out The sourcing rule behind Missouri Roof Claims, why the guide covers the whole state, what was deliberately left out of it, and how to get something corrected.
• How long you really have to sue your insurer Missouri voids the one year suit clause in your policy under RSMo 431.030, and the period is ten years. The deadlines that do still bind you are a different list.
• The Missouri credit almost nobody claimed Missouri gives a tax credit equal to a homestead insurance deductible incurred in 2025, up to $5,000 and transferable. No new credits are issued after 15 October 2026.
• Missouri does not license roofers Missouri does not license roofing contractors at state level. Three bills failed. Here is what is municipal, what to check instead, and when a reroof needs a permit.
• Does Missouri make your insurer match the roof? Missouri has no matching statute and no matching regulation for roofs. Here is where the citation people repeat actually comes from, and what Alessi decided instead.
• Nine roof claim myths, checked Nine things Missouri homeowners are told about roof insurance claims, each given a verdict and the statute or case that produced it. Seven are false, one depends, one is true.
• Your policy is the rule. Here is how to read it Actual cash value against replacement cost, recoverable depreciation, percentage wind and hail deductibles, cosmetic exclusions and roof surfacing schedules, in plain language.
• That Reservation of Rights Letter Is Not a Denial The letter identifies a coverage question while the insurer investigates, so read the cited policy language before deciding what to do next.
• What 2025 actually did to Missouri, in sourced numbers 253,241 catastrophic claims and $2.9B paid, per Missouri DCI, plus two national hail rankings that measure different things and must not be merged.
• What a roofer can do, once you take the illegal part out RSMo 407.725 stops a Missouri contractor short of the claim itself. What is left is documentation, measurement, a written scope and being on site with the adjuster.
• Who is actually allowed to argue your claim A Missouri roofing contractor is barred by RSMo 407.725 from representing a claim. A licensed public adjuster is not. What each may do, what it costs, and where the line sits.
• Your Insurer Is Sending an Engineer to the Roof Here is what the engineer will examine, what you should preserve, and what to request after the inspection.
• You can walk away, and the contract has to say so If your roofing contract is to be paid from insurance proceeds, Missouri gives you five business days to cancel from the insurer's written notice that it is not a covered loss.

Nothing on this site is advice about an insurance claim. Under RSMo 407.725 a roofing contractor in Missouri may not represent or negotiate a homeowner's claim, and may not offer anything about a deductible. What Keys does is document the damage, put a written scope with photographs and measurements in your hands, and attend as the contractor. You deal with your own insurer.