Missouri roof inspection report template

Missouri rules for this report

These rules are about how and when you report, not the template's fields. Check them before you deliver.

• 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

What is in it

• Roof areasArea or slope, Covering, Pitch, Condition
• Roof coveringMissing, lifted, creased or cracked pieces (wind damage included), Wear for its age: granule loss, curling, cupping or blistering, Hail damage: impacts, bruising and the granule loss they cause, Fasteners, seams and earlier repairs
• Flashing and penetrationsWall, step and counter flashing, Chimney flashing and cricket, Plumbing vents, boots and other penetrations, Skylights, Valleys
• Decking, structure and atticDecking firm underfoot, no soft spots, Ridge and roof lines straight, no sagging, Attic underside: sheathing, stains, daylight, moisture, Attic and roof ventilation
• Gutters, edges and drainageGutters and downspouts attached, sloped and clear, Drip edge, fascia, soffit and rakes, Low-slope drainage: drains, scuppers, no ponding
• Signs of leaks insideCeilings and walls below the roof free of water stains, No active leaks
• Remaining lifeOnly the inspector's own estimate of remaining useful life from the notes and the reasons the notes give for it; leave empty when the notes give no estimate.

Rules last reviewed October 13, 2026. Read the full Missouri roof inspection report requirements.