

A new roof is one of the bigger checks a house asks for. Here is when replacement beats repair, what the code says about tearing off, what your city requires, and what this region's 2025 numbers say it costs.
Roofs in greater St. Louis usually come off for one of two reasons: age or weather. Missouri's Department of Commerce and Insurance says the useful life of a roof is usually about 25 years, and one bad hail spring can end a roof well before that.
Replacing a roof here also means working through a patchwork of rules. Missouri has no statewide residential building code, so the requirements come from your city or county, and across the river the roofer needs an Illinois license. Below: the limits on roofing over an old layer, the code items a new roof needs, how permits vary from town to town, what a replacement costs in this region, and how the job runs.
A leak on its own is not a reason to replace a roof. One split pipe boot, a strip of wind-lifted shingles or a worn chimney flashing is repair work, and if that is all your roof needs, that is what we will tell you (see roof repair). Replacement makes sense when the trouble covers the whole surface:
Laying new shingles over old ones (the code calls it a roof recover) saves the cost of the tear-off and very little else. Section R908.3 of the International Residential Code says a replacement strips all existing roofing down to the deck. St. Louis County's re-roofing checklist, which governs unincorporated areas and the cities that contract with the county for inspections, allows a recover in one case only: a single existing layer that is not water-soaked or deteriorated (the county cites R908.3.1.1), on framing strong enough to carry two roofs. The plan reviewer may ask for an engineer's calculations to prove it.
Illinois puts a similar limit in its roofing license law. The definition of a roof recover in 225 ILCS 335 leaves out water-soaked or deteriorated roofs, slate and tile, and roofs that already carry two or more layers; that last one can be lifted only by a structural report from an Illinois-licensed architect or engineer that the state has accepted.
The products push back too. The Asphalt Roofing Manufacturers Association notes that most shingle makers do not recommend new shingles over laminated ones, and Owens Corning's instructions for its Duration STORM and FLEX lines require the old covering and underlayment to come off first. We strip every replacement to the deck, since that is the one moment in a roof's life when anyone can see the wood.

The cut-away drawing on this page numbers the eight parts of the shingle roof we put back. Working up from the framing, here is what each does and what a written quote should say about it:
Missouri leaves building codes to local government, and the spread is wide: Creve Coeur enforces the 2009 International Residential Code, while Brentwood has adopted the 2024 edition. The St. Louis roofing code guide covers the regional design figures. On a shingle replacement, these are the lines that do the work:
Whether a re-roof needs a permit changes at city limits. A few examples, taken from each jurisdiction's own published rules:
| Where | Re-roof permit rule |
|---|---|
| St. Louis City | Not needed for like-for-like material with no more than 25% of the sheathing replaced; needed beyond that |
| Unincorporated St. Louis County | Needed when the slope is under 4 in 12, more than 25% of the sheathing is replaced, the material changes, or board decking has to be covered with panels; a like-for-like shingle job at 4 in 12 or steeper is exempt |
| Town and Country | Needed for every roof replacement |
| St. Charles | Replacing shingles is listed among jobs that generally need no permit |
| Columbia, IL | No permit, but the roofer must hold an Illinois license |
Many cities publish no answer. We check with the building department before work starts and pull whatever is required. Kirkwood, Webster Groves, Ballwin, Brentwood and Wentzville also want contractors licensed or registered with the city first. Every city's rule is on its own page under roofing by city.
The most useful public price check is Zonda's 2025 Cost vs. Value Report, published by the Journal of Light Construction. Missouri sits in its West North Central region. Both roofing projects assume a 3,000-square-foot hip roof torn off to bare sheathing, with flashing at two skylights and a vented ridge:
| Report project, 2025 | Job cost, West North Central | Added resale value | Cost recouped |
|---|---|---|---|
| Asphalt shingles, new underlayment, galvanized drip edge | $30,693 | $16,650 | 54.2% |
| Standing-seam metal, perimeter ice barrier, synthetic underlayment | $50,520 | $22,527 | 44.6% |
Illinois falls in the report's East North Central region, where the same asphalt job is listed at $29,253 and the metal job at $47,473. These are model houses, not a quote for yours. What moves a real price:
There is no state roofing license in Missouri; where contractor registration exists, a city runs it. Illinois is different. Under the Roofing Industry Licensing Act (225 ILCS 335), a company that roofs for pay there needs a license from the Department of Financial and Professional Regulation, limited (homes of eight units or fewer) or unlimited, and Section 11 tells permit officials to see it before issuing a permit.
The same act sets out what an Illinois roofing contract must say before work begins: scope and materials, approximate dates, the contractor's street address and insurer, a clause letting you rescind within 72 hours for a full refund of any deposit, and a statement that the contractor cannot pay or waive your insurance deductible. Section 5.5 also has the contractor hold your payments in trust until materials arrive or most of the work is done.
In Missouri, the statute aimed at roofing contracts is RSMo 407.725, for jobs paid through an insurance claim; the storm damage page explains the cancellation right it gives you.
The 2025 Cost vs. Value Report lists $30,693 to replace a 3,000-square-foot asphalt shingle roof in the West North Central region, which includes Missouri, and $50,520 for standing-seam metal. Your price depends on size, pitch, layers, rotten decking and flashing, so we inspect first and then give you one written number.
Only in narrow cases. St. Louis County allows a second layer just over one existing layer that is dry and sound, on framing that can carry both. A roof that already has two layers has to come off. Many shingle makers advise against layering over architectural shingles, and our replacements always start from the bare deck.
It depends on the city. St. Louis City skips the permit for like-for-like work that replaces no more than a quarter of the sheathing, while Town and Country requires one for every roof replacement. We confirm the rule with your building department and pull any permit ourselves.
Usually not by code. The residential code calls for an ice barrier only where a jurisdiction has a history of ice dams at the eaves, and both St. Peters and St. Louis County list it as not required. We still install it at the eaves and in the valleys on every replacement.
In Illinois, yes. The state licenses roofing contractors under 225 ILCS 335, and an Illinois roofing contract must include a 72-hour cancellation clause with a full deposit refund. Missouri has no state roofing license, though cities such as Kirkwood and Wentzville require contractors to hold a city license or register first.
Not by the report's numbers. In the West North Central region, the 2025 Cost vs. Value Report estimates that an asphalt roof replacement recoups 54.2 percent of its cost at resale and a metal roof 44.6 percent. The bigger return is a dry house.
Roof replacement across greater St. Louis, from the city and St. Louis County out to St. Charles, Jefferson and Franklin Counties and across the river into the Metro East. Each city has its own page with the permit rule and code edition that apply there:
Sources: 2025 Cost vs. Value Report, West North Central region (Zonda / Journal of Light Construction) · 2025 Cost vs. Value Report, East North Central region · Cost vs. Value project description: asphalt shingle roof replacement · Cost vs. Value project description: metal roof replacement · St. Louis County Public Works, Residential Re-Roofing Checklist and Guide (IRC R806, R905, R908 as adopted) · City of St. Peters, Building Code Guide (design wind, ice barrier line) · U.S. DOE Building America Solution Center, Asphalt Shingle Roofs (four-fastener minimum) · Owens Corning, Standard Product Limited Lifetime Warranty, Pub. 10023873 (wind ratings by nail count) · Owens Corning, Duration STORM and FLEX installation instructions (old roof removed first) · Asphalt Roofing Manufacturers Association, Reroofing: Replacement vs. Recover · FORTIFIED (IBHS), 8 Ways to Know If You Need a New Roof · Missouri Department of Commerce and Insurance, Raising the Roof on Insurance Coverage · Illinois Roofing Industry Licensing Act, 225 ILCS 335 (Sections 2, 5.5, 9, 11) · Missouri Revised Statutes 407.725 · City of St. Louis, residential permit criteria · Town and Country, Building Permits and Inspections · City of St. Charles, Building Division · City of Columbia, IL, permit FAQ. Codes, programs and prices change; confirm the current rule with your city before you rely on it.

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