St. Charles Roofing Designs
Roofing in St. Charles, Missouri
Roof replacement, repair and storm damage for St. Charles homes and businesses, from Frenchtown brick to New Town rowhouses, with honest advice on what your roof actually needs.
- Open 7 days, 8am–8pm
- Free written quotes
- Homes & businesses
- Office on South Fifth Street
A local roofer
The roofs around our office are the roofs we know best
From 498 S 5th St., we're a few blocks from Historic Main Street and minutes from St. Peters, Cottleville and Weldon Spring.
St. Charles Roofing Designs replaces and repairs roofs for homeowners and businesses across St. Charles and the nearby St. Charles County towns. Most of our work is residential: full roof replacements, leak and flashing repairs, and hail and wind damage after the spring storms. We also handle commercial roofs for offices, shops and multi-family buildings.
St. Charles is an unusual roofing town. Close to the river, half the homes near our office were built before 1940: steep brick houses with parapet walls, dormered mansards and chimneys the city's design guidelines say must stay. A few miles west, St. Peters and Harvester are full of 1970s, '80s and '90s subdivisions on their second or third roof. North of Route 370, New Town's first roofs from 2004 onward are starting to reach the end of their life. Each needs a different conversation, and we have all three every week.
Our approach is simple. We look at the roof before we quote it, we photograph what we find, and we tell you whether a repair will do or it's time for a new roof. When it is, we'll walk you through architectural shingles, metal roofing and stone-coated steel, and what each costs over the life of the roof. Our guide to what a new roof costs in St. Charles is a good place to start.
Services
What we do
Ten services, one standard: built to the 2021 code St. Charles enforces and to the manufacturer's installation instructions, so the roof earns its rated life. See all services.
Stone-Coated Steel
Steel shingles with a stone-granule finish that look like shake, tile or shingle.
Historic Home Roofing
Roofs for Frenchtown and Main Street-era homes, done with the city review in mind.
Field notes
Three things every St. Charles homeowner should know
Local facts that change how you plan a roof, sourced from the National Weather Service, the city and Missouri law.
Hail here is serious
On March 14, 2024 the National Weather Service documented 3 to 3.75-inch hail over St. Charles County. That May it logged 2.75-inch hail near St. Charles. Missouri ranked second in the country for State Farm hail claims in 2025. Read our hail history.
Shingles usually don't need a permit
The City of St. Charles lists replacing roof shingles among projects that generally don't need a building permit. Historic districts and floodplain lots are the exceptions, and St. Peters has its own re-roof rules. See the town-by-town guide.
Missouri protects you after a storm
Under RSMo 407.725, no roofer may offer to pay or rebate your insurance deductible, and you can cancel a claim-funded contract within five business days after a written denial. Know your rights.
Built for our weather
What a roof needs to last in St. Charles County
The city rates our weathering as "severe." We get hard spring hail, 90-degree summers, and winters that freeze and thaw over and over. The details under the shingles decide whether a roof makes it.
- Drip edge at eaves and rakes. St. Charles County's code amendments spell it out, and it keeps water off the fascia and decking.
- Ice and water shield where it counts. Local code doesn't require an ice barrier, but we recommend self-adhered membrane in valleys, around chimneys and on low-slope sections.
- A real tear-off when it's due. Code allows at most two layers. A third means everything comes off, and we inspect the decking underneath.
- Balanced ventilation. Attic heat cooks shingles from below. Intake at the eaves and exhaust at the ridge keeps the deck cooler and drier.
Thinking about impact-rated shingles? Read Class 4 vs. Class 3 shingles in Missouri first. They help, but they aren't hail-proof.
Service areas
Where we work
St. Charles neighborhoods and the communities nearby. Each page covers that area's housing, permit rules and weather. All service areas.
Frenchtown
Brick Creole and German homes, parapet walls and mansards in the Frenchtown district.
Historic Main Street
South Main and Historic Downtown: 1800s homes and flat-roofed commercial buildings.
Midtown & Lindenwood
Slate, metal and steep Victorian and Tudor roofs west of downtown.
New Town
New Urbanist homes and rowhouses from 2004 on, with HOA architectural review.
Harvester
1980s and 1990s subdivisions off Hwy 94 and Route 364.
St. Peters
Spencer Creek, Mill Wood and the 1970s–90s neighborhoods along I-70.
Cottleville
Old Town Cottleville and fast-growing subdivisions off Highway N.
Weldon Spring
Large brick-front homes, golf-course lots and the Hwy 94 bluffs.
Orchard Farm & North County
Farmhouses, acreage homes and outbuildings along Hwy 94 north.
Portage des Sioux
A Mississippi river town with flood history and open-bottom winds.
West Alton
Raised homes at the confluence and floodplain permit rules.
How it works
From first call to finished roof
No pressure and no surprises. Here's what to expect.
Call or send the form
We answer 8am to 8pm, seven days a week, and set a time to come out.
We look at the roof
Shingles, flashing, vents, valleys and the attic where we can reach it, with photos of what we find.
You get a written quote
It's free, and it covers what we found, what we recommend, and the exact materials.
We build and clean up
Tear-off, decking repairs, new roof system, cleanup, then a final walk-through with you.
Historic homes
Roofing in Frenchtown, South Main and the Commons
St. Charles has six local historic districts with more than 3,000 properties, and each has design guidelines. Frenchtown's guidelines allow asphalt, fiberglass or wood shingles, slate and synthetic slate, but they don't list metal and they bar visible roll roofing. The Commons guidelines do allow standing seam metal. Change a roof's material or look in a district, and the city's Landmarks Board may need to sign off first.
We plan for that from the start. See historic home roofing, our Frenchtown page, and the full guide to replacing a roof in a St. Charles historic district.
From the journal
Roofing guides for St. Charles County
Costs, permits, hail and materials, written for homeowners. Read the blog.
Metal Roof vs. Architectural Shingles: A St. Charles Homeowner's Comparison
Metal roof vs. architectural shingles in St. Charles, MO: lifespan, hail, cost, permits and historic district rules compared. Call for a free written quote.
Read the guide →
Class 4 vs. Class 3 Shingles: What Missouri Homeowners Should Know
Class 4 vs. Class 3 shingles for St. Charles, MO: how the UL 2218 test works, what IBHS found in 2025, insurance discounts and local hail sizes. Free quote.
Read the guide →
Stone-Coated Steel Roofing in St. Charles: Pros, Cons and Cost
Stone-coated steel roofing pros, cons and cost for St. Charles, MO homes: hail ratings, DECRA warranty, weight vs tile and historic-district rules. Call us.
Read the guide →Questions St. Charles homeowners ask us
Do I need a permit to replace my roof in St. Charles?
In the City of St. Charles, replacing roof shingles is on the city's list of projects that generally don't need a building permit. Two exceptions matter: homes in the city's historic districts may need Landmarks Board approval if the work changes the roof's appearance, and properties in a floodplain may need a floodplain development permit. St. Peters, Cottleville and unincorporated St. Charles County each have their own rules, which we cover in our permit guide.
How much does a new roof cost in St. Charles?
It depends on the size and pitch of the roof, how many layers have to come off, how much decking needs replacing, and the material. National cost guides put an average asphalt roof replacement around $9,500, with a wide range from roughly $5,800 to over $40,000 for large or premium roofs. We give a free written quote after looking at your roof, so you see the real number for your house.
Will my homeowners insurance pay for hail damage?
If hail or wind damaged the roof, a homeowners policy often covers repair or replacement minus your deductible. Many Missouri policies now use a wind and hail deductible of 1% or 2% of the home's dwelling coverage, and some pay older roofs on an actual cash value basis. Check your declarations page. By Missouri law, no roofer may offer to pay or rebate your deductible.
How do I know if my roof needs to be replaced or just repaired?
A roof usually needs replacing when shingles are curling, cracking or losing granules across large areas, when there are leaks in several places, or when it has reached the end of its expected life, about 20 years for 3-tab shingles and about 30 for architectural shingles. Isolated problems like a cracked pipe boot, a few blown-off shingles or a failed flashing can usually be repaired.
Do you work in Frenchtown and the other historic districts?
Yes. Our office is on South Fifth Street, a few blocks from Frenchtown and Historic Main Street, and many of the homes we work on are in the city's historic districts. Changing a roof's material or appearance in those districts can require a Certificate of Appropriateness from the city's Landmarks Board, so we plan the material choice with that review in mind.
What are your hours?
We answer the phone from 8am to 8pm, seven days a week, at (636) 242-5111. You can also send a quote request through the form on any page and we'll call you back to set up a time to look at the roof.