Missouri roofing supplement law (2026)
Missouri has no statutory matching requirement. Matching claims rely on policy language and good-faith claims handling regulations under Mo. Rev. Stat. §375.1007.
Missouri has no statutory matching requirement. Matching claims rely on policy language and good-faith claims handling regulations under Mo. Rev. Stat. §375.1007.
Both available.
Recoverable depreciation released on completion.
10 years for written contracts under §516.110.
Licensed by Missouri Department of Commerce and Insurance.
Missouri adopts the 2018 IRC. Code upgrades covered under Ordinance & Law.
Top carriers in Missouri
- State Farm
- American Family
- Shelter
- Allstate
- Farm Bureau
Shelter (MO HQ) and American Family (MO HQ) pay supplements promptly.
Pro tips
- Hail season April–June. Bad-faith claims under §375.1007 are a powerful escalation lever.
Frequently asked questions
Does Missouri have a roof matching law?
No statutory requirement, but bad-faith claims handling under Mo. Rev. Stat. §375.1007 supports matching disputes when partial repair creates visible mismatch.
Built for Missouri roofing contractors
Audit a Missouri carrier estimate in 60 seconds.
Upload any closed claim. Our AI cites the Missouri statutes and IRC code sections automatically and outputs a Xactimate-ready supplement letter.
Free trial — no credit card