Hiring a roofing contractor can feel overwhelming, especially when you’re not sure what qualifications to look for. One of the most common questions homeowners ask is whether St. Louis roofing contractors need to be licensed and insured. The short answer is yes, they should be—but understanding why this is so important will save you time, stress, and potentially a lot of money.
At Freedom Roofing, we are proud to be both licensed and insured, ensuring our customers get the best possible service with complete peace of mind. This blog will cover why licensing and insurance matter, what the roofing contractor requirements are in Missouri, and how these qualifications protect you as a homeowner.
Why Hire Licensed Roofers in St. Louis?
Choosing a licensed roofer is critical for ensuring your roofing project meets state regulations and industry standards. Licensing confirms that the contractor has undergone training, has experience in the trade, and is legally authorized to work in the area. Here’s why hiring a licensed roofer is so important:
Compliance with Local Laws
In St. Louis and across Missouri, roofing contractors are required to comply with state and local regulations. While the state does not issue a general contractor license, many local municipalities (like St. Louis) require specific licensing for roofers. By hiring a licensed contractor, you’re ensuring that they are operating legally and adhering to building codes.
Pro Tip: Check with your local government or building department to confirm licensing requirements in your area. For more details, visit the Missouri Division of Professional Registration.
Knowledge and Expertise
Licensed roofers must demonstrate their knowledge of roofing techniques, safety standards, and local building codes. This ensures they’re equipped to handle everything from minor repairs to full roof replacements efficiently and safely.
Accountability
When you work with a licensed roofer, you have a clear avenue for resolving disputes. Licensing boards often provide mediation or complaint resolution services, giving you added protection.

Why Insurance Is Non-Negotiable for St. Louis Roofing Contractors
Hiring insured roofers is just as crucial as hiring licensed ones. Roofing work comes with inherent risks, and insurance ensures you’re not held financially liable in the event of an accident. Here’s why this matters:
Protection Against Accidents
Roofing involves dangerous work, such as climbing heights and handling heavy materials. If an uninsured contractor is injured on your property, you could be held responsible for medical expenses and damages. Hiring insured roofers eliminates this risk because their insurance policy covers on-the-job injuries.
Coverage for Property Damage
Mistakes can happen, even with the best contractors. If a roofer accidentally damages your home or property, their liability insurance ensures that the repair costs are covered.
Peace of Mind
When you hire a contractor who is both licensed and insured, you can focus on the results rather than worrying about potential liabilities. This makes the process much smoother for you as a homeowner.
Roofing Contractor Requirements in Missouri
Missouri’s roofing contractor requirements vary depending on the municipality. While the state itself doesn’t issue general contractor licenses, cities like St. Louis often require roofers to be licensed and insured to perform work legally. Here’s what to look for:
- Licensing: Verify that your contractor has a valid license with the local government. You can request to see their license number or look it up with your local building authority.
- Insurance: Confirm that the contractor carries both liability insurance and workers’ compensation insurance. Don’t hesitate to ask for proof of coverage before any work begins.
- Permits: For larger roofing projects, permits are usually required. A licensed contractor will know how to obtain the necessary permits and ensure your project is up to code.
Did You Know? The U.S. Small Business Administration (SBA) offers guidance on what to look for when hiring contractors, including licensing and insurance requirements. Check out their resource here.
The Risks of Hiring Unlicensed or Uninsured Roofers
While it may be tempting to save money by hiring a cheaper, unlicensed contractor, doing so comes with significant risks:
- Poor Workmanship: Unlicensed contractors may not have the necessary training or skills to perform high-quality work, leading to subpar results.
- No Legal Recourse: If something goes wrong, you have little to no legal protection when dealing with unlicensed roofers.
- Liability Issues: As mentioned earlier, hiring uninsured contractors could leave you financially liable for accidents or damages.

Freedom Roofing: Licensed and Insured for Your Peace of Mind
At Freedom Roofing, we take pride in being fully licensed and insured, so you can trust us with all your exterior home improvement needs. While we’re best known as one of the top St. Louis roofing contractors, we offer a wide range of services designed to protect and enhance your home:
Roofing Services
Whether you need a quick repair, a full replacement, or a roof inspection after a storm, our experienced team is here to help. We work with top-quality materials to ensure your roof lasts for years to come.
Siding Installation and Repairs
Siding not only boosts your home’s curb appeal but also provides essential protection from the elements. Our siding services include installation, repair, and maintenance to keep your home looking and performing its best.
Window Installation and Replacement
Energy-efficient windows can reduce your utility bills and improve your home’s comfort. We install and replace windows with precision to ensure a perfect fit and long-term durability.
Why Choose Freedom Roofing for Your St. Louis Home?
Hiring a licensed and insured contractor isn’t just a box to check—it’s a crucial step in ensuring your home improvement project goes smoothly. With Freedom Roofing, you can feel confident knowing that:
- Our team is fully licensed to meet local and state roofing contractor requirements.
- We carry comprehensive insurance to protect you and your property.
- We provide free, no-obligation estimates to help you make informed decisions about your project.
We’re committed to delivering exceptional service, whether you need a small roof repair, new siding, or replacement windows.
Get Started with a Free Estimate Today
Don’t take chances with unlicensed or uninsured contractors. Protect your home by choosing Freedom Roofing, your trusted team of licensed roofers and insured roofers in St. Louis. Visit our free estimate page to schedule your no-cost consultation today. Let us help you protect and enhance your home with quality workmanship and peace of mind.