LOCAL RULES: RSMO 407.725

Missouri roof inspection report requirements

Your Missouri roof inspection report has one rule to meet. ReportDraft puts it on your checklist and checks your draft before you sign.

  • The damage described, with no negotiating the owner's insurance claim
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In Missouri, one consumer protection section governs every roof or exterior job paid by insurance: what a contractor may offer, how the homeowner can back out after a denial, and where the contractor's role on the claim stops. Here is each rule with a link to the Revised Statutes of Missouri, and how a Missouri roof report should be written.

Last reviewed October 13, 2026 against the official sources listed below.

Roof inspectionMISSOURI / SAMPLE

Sample notes, 125 words

Client: Maria Delgado
2215 Palmetto Ave
Date: 10/07/2026 9am, sunny, roof dry
Inspector: Kevin Brandt
License: RC-29117
...
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92%of your draft is ready from these notes

We sorted 15 items into 7 sections and flagged 2 to fix soon.

  • Fix soonFlashing and penetrations

    Plumbing vent boot on rear slope cracked

  • Fix soonGutters, edges and drainage

    Gutters full of leaves at the back, downspout extension missing at the left corner

  • Worth watchingRoof covering

    Light granule loss, no exposed mat

1 Missouri rule on your checklist, including the damage described, with no negotiating the owner's insurance claim.

Still to add

  • NeededRoof covering type

Filled in for you

Client nameMaria Delgado
Property address2215 Palmetto Ave
Inspection dateOct 7, 2026
Inspector nameKevin Brandt
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What Missouri requires

  • A contractor may not represent or negotiate, or offer or advertise to represent or negotiate, for an owner or possessor of real estate on any insurance claim for roof or other exterior repair or replacement workRSMo 407.725.6
  • A contractor may not advertise or promise to pay or rebate any part of an insurance deductible to win the sale, which includes any allowance or discount against its fees, or any compensation, gift, prize, bonus, coupon, credit, referral fee or other item of monetary value to the insured or anyone associated with the propertyRSMo 407.725.2
  • A person who signs a contract for roof or exterior work to be paid under a property and casualty policy may cancel it before midnight on the fifth business day after receiving the insurer's written notice that all or part of the claim or contract is not a covered loss; the contractor returns payments within ten days, keeping only the reasonable value of emergency services the insured acknowledged in writingRSMo 407.725.3, .5
  • Before signing such a contract, the contractor gives the insured a boldface statement of the cancellation right (at least 10 point) and a completed, detachable Notice of Cancellation form in duplicate in the law's wordingRSMo 407.725.4
  • A contractor's violation of these rules is an unfair practice under the Missouri Merchandising Practices Act, which makes unfair practices and misrepresentation in a sale unlawful and lets a consumer who suffers an ascertainable loss bring a private action for damagesRSMo 407.725.7 · RSMo 407.020.1 · RSMo 407.025.1

The contractor's role on the claim

A roofer or exterior contractor may not represent or negotiate for the homeowner on the insurance claim, or offer or advertise to do so. A Missouri roof report documents the damage and its likely cause; the claim itself stays between the owner and the insurer.

The deductible is the owner's. Paying, rebating or discounting it, or handing the owner any gift, credit, referral fee or other item of monetary value to win the job, is prohibited.

Canceling after a denial

If the insurer says in writing that all or part of the claim is not covered, the homeowner may cancel the contract until midnight on the fifth business day after that notice. The contractor provides a bold statement of this right and a detachable cancellation form before signing, and refunds payments within ten days apart from acknowledged emergency work. Breaking any of these rules is an unfair practice under the Merchandising Practices Act, and a consumer who suffers a loss from an unlawful practice can sue for damages.

Common mistakes

  • Offering to negotiate the claim with the adjuster on the owner's behalf.
  • A referral bonus or gift card for signing after a storm.
  • A storm contract without the bold cancellation statement.
  • Keeping a deposit after a valid cancellation.
  • Writing coverage opinions into the roof report.

Sources

Last reviewed October 13, 2026. Next review due January 13, 2027. This page explains published rules to help you write your report. It is not legal advice; the official text linked above governs.