How Much Does a New Roof Cost in Missouri in 2026

· ✓ Last verified Oct 7, 2026 · February 4, 2025 · by AskDoss Editorial Team ·Home Services · 5 min read

The closest sourced benchmark is national: the Remodeling 2025 Cost vs. Value Report (www.costvsvalue.com) puts its asphalt-shingle roof replacement at $31,871. BLS put Missouri roofers’ May 2025 mean wage at $27.08 an hour, below the U.S. $27.95. RSMo 407.725 bars roofers from rebating your insurance deductible.

A national job average and a Missouri wage

The Cost vs. Value Report compares “average costs for 28 remodeling projects” with resale value “in 119 U.S. markets.” Its national average for the report’s defined asphalt-shingle roof replacement project is $31,871, with an estimated resale value of $21,501 (68% recouped). The metal-roof project averages $51,865 nationally, with $25,972 recouped at resale (50%). This page does not restate the project’s roof size or shingle grade.

The second number is a wage. For May 2025, the Bureau of Labor Statistics (Occupational Employment and Wage Statistics) counted 2,050 wage-and-salary roofers in Missouri, excluding the self-employed. Their mean pay was $27.08 an hour ($56,320 a year), and the median was $23.35 ($48,570). The U.S. figures were a $27.95 mean and a $26.65 median. Labor is one input of a roofing bid, and a lower wage does not translate into a percentage off the job price.

What RSMo 407.725 does when insurance is paying

Missouri’s roofing-specific rule sits in the merchandising-practices chapter. It reaches any “contractor” who repairs or replaces roof systems “or perform[s] any other exterior repair, replacement, construction, or reconstruction work” on residential or commercial structures. A “roof system” includes “roof coverings, roof sheathing, roof weatherproofing, and insulation.” The current text dates from 2014 S.B. 610 (effective August 28, 2014), which amended 2011 S.B. 101.

  • Deductible. A contractor “shall not advertise or promise to pay or rebate all or any portion of any insurance deductible as an inducement to the sale of goods or services.” That covers discounts, allowances, and any “compensation, gift, prize, bonus, coupon, credit, referral fee, or other item of monetary value for any reason.”
  • Cancellation after a denial. If you signed a written contract “to be paid under a property and casualty insurance policy,” you may cancel “prior to midnight on the fifth business day after the insured party has received written notice from the insurer that all or any part of the claim or contract is not a covered loss.” You cancel with written notice to the address in the contract. Any written wording works, and a mailed notice is effective when deposited in the mail, postage prepaid and properly addressed. The section gives no cancel-for-any-reason window of its own.
  • Paperwork before signing. The contractor must give you a boldface statement of that right in at least 10-point type, plus a detachable “NOTICE OF CANCELLATION” form in duplicate.
  • Money back. Subsection 5 gives the contractor ten days after cancellation to return payments, deposits and any note. The statutory form tells you “ten business days.” The contractor keeps “the reasonable value” of emergency services that you acknowledged in writing as “necessary to prevent damage to the premises.” Any other fee in the contract is unenforceable against you.
  • No claim negotiating. A contractor may not “represent or negotiate, or offer or advertise to represent or negotiate,” on your behalf on the insurance claim.

A violation is “an unfair practice” under the Missouri Merchandising Practices Act.

No statewide roofer license has passed

House Bill 1348 of 2025 would have created a statewide roofing-contractor registration (proposed sections 324.800 to 324.835), and cities and counties would have had to honor it. Its last recorded action was on April 29, 2025: “Referred: Rules – Administrative(H).” On September 28, 2026, the Revisor of Statutes had no section 324.800. Whether your roofer needs a license is therefore a question for the city or county where the house sits.

Permits and code come from the city or county

Under RSMo 64.170, the commission of a first- or second-classification county may regulate “the construction, reconstruction, alteration or repair of any building,” issue building permits, and set permit and inspection fees. A county that had no building code before August 28, 2001 needs voter approval first. Only voters “in the area affected” take part, so residents of incorporated territory do not vote on a county code. RSMo 67.280 lets any county, fire protection district or municipality that already has the power adopt a code by reference, once a copy has been on file with its clerk for ninety days. The Department of Natural Resources keeps a list of codes adopted by jurisdiction and notes that “the most current information may be obtained by contacting the local jurisdiction.”

Sales tax is already inside the bid

Under Department of Revenue rule 12 CSR 10-112.010, a contractor “is the final user and consumer of the materials and supplies” that become part of a real-property improvement, so the supplier’s sale to the contractor is the taxed sale. The rule adds that “title passes after installation is complete, unless the contractor and purchaser expressly agree otherwise.” If title passes before the materials are attached, the contractor instead collects tax from you on the item’s sale price. The rule’s current text took effect March 30, 2008.

Read your policy’s roof terms before a storm

The Department of Commerce and Insurance runs Raising the Roof on Insurance Coverage, which summarizes roof coverage for “the top 20 homeowners insurance companies in Missouri.” It explains that actual cash value coverage pays “the depreciated cost to repair or replace,” and replacement cost pays “without deducting for depreciation.”

FAQ: Missouri roof jobs

A roofer offered to cover my deductible. Is that allowed?

No. RSMo 407.725.2 bars a contractor from advertising or promising to pay or rebate any part of the deductible, including through a discount, credit or referral fee.

My insurer denied part of the claim after I signed. Can I get out?

Yes, if it was a written contract to be paid under a property and casualty policy. Send written notice to the contractor’s address before midnight on the fifth business day after you received the insurer’s written notice.

Who issues the permit for a reroof?

The city or county, if it requires one, under its own adopted code. RSMo 64.170 and 67.280 place code and permit powers with counties and municipalities, and a county’s power can hinge on a local vote.

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© 2025 Zonda Media, a Delaware Corporation. Complete data from the Remodeling 2025 Cost vs. Value Report can be downloaded free at www.costvsvalue.com.

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