Malarkey shingles, installed / File 05
Impact rated roofs and your insurer
The premium credit question, answered as honestly as a roofing contractor is allowed to answer it, which is to say by telling you to ask somebody else.
The credit
Ask your carrier, not your roofer
Some insurers writing homeowner policies in Missouri offer a premium credit or discount where the roof carries a recognised impact rating. Some do not. Among those that do, the size of the credit, the ratings they will accept, the documentation they want and how long the credit survives on the policy all vary by company and sometimes by policy form.
So the only honest answer a roofing contractor can give is this: call your own carrier or your own agent, before you buy, and ask four questions. Do you offer anything for an impact rated roof. Which ratings and which standards do you accept. What proof do you want. How long does it last. Write the answers down with the name of the person who gave them.
A roofer who tells you what your policy will do is guessing with your money.
What Keys can supply is the evidence: an invoice and a written scope naming the manufacturer, the product line and the colour actually installed, plus dated photographs of the work. In most cases that is exactly what a carrier asks for. Whether it earns you anything is the carrier's decision and nobody else's.
The statute
What a Missouri roofer may and may not do
Missouri regulates this directly and the rule is short. 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. Keys Roofing does not represent or negotiate on your insurance claim, and neither may any other roofing contractor in this state.
The same section separately bars a roofing contractor from advertising or promising to absorb, rebate or in any way take care of the sum you are responsible for under your own policy. Any contractor who offers you that is offering you something the legislature has made unlawful, and a violation is treated as an unfair practice under the Missouri Merchandising Practices Act. Treat the offer as the warning sign it is.
What a contractor may do, and what Keys does, is document the roof: photographs, measurements and a written scope of the work required, provided to you. If your insurer sends an adjuster, Keys can attend on site as the contractor and answer questions about the scope of the work. The claim itself remains yours.
The other professions
Who is allowed to act on a claim
Two other roles exist and they are worth knowing about, because homeowners often assume their roofer occupies one of them.
- Public adjuster
- A separately licensed profession under RSMo chapter 325. A public adjuster may act for the policyholder on a claim. Missouri sets no cap on what one may charge, so read the engagement agreement carefully. RSMo 325.055 bars a public adjuster from also performing the repair work, which is the point of the separation.
- Attorney
- May act for you on a disputed claim. Two Missouri rules are worth knowing before anybody tells you a deadline has passed. The limitation period for suing an insurer on a policy is ten years under RSMo 516.110(1), and RSMo 431.030 makes a contractual clause purporting to shorten the time for suit null and void. A shorter period printed in your policy booklet is not automatically the law.
The tax credit
A real Missouri credit that expires in October 2026
This one is genuine, sourced and running out, and almost nobody in this market is writing about it. RSMo 135.445 created a Missouri income tax credit equal to the amount of a homestead insurance sum a claimant became responsible for during the 2025 calendar year, capped at 5,000 dollars. The credit is transferable. The statute provides that no new credits are to be authorised after 15 October 2026.
Not tax advice
This paragraph is a pointer to a statute, not advice. Eligibility, the application process and the treatment of a transferred credit are matters for the Missouri Department of Revenue and for your own tax preparer. Read RSMo 135.445 at revisor.mo.gov and take proper advice before relying on it. Keys Roofing has no role in it whatsoever and receives nothing from it.
If your roof was replaced after a 2025 storm, this is worth ten minutes with whoever does your return, particularly given the date on it.