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St. Louis homeowner guide

How to check a gutter contractor in Missouri

By Gutter Installation St. Louis, a referral service. Updated November 3, 2026.

Short answer

Missouri's Division of Professional Registration lists the professions it licenses, and general, home improvement, roofing and gutter contractors aren't on it. So you can't settle this with a state license lookup. Check insurance with the insurer, look up the business with the Secretary of State, ask your city about local rules, call references, and get a written contract.

Dark downspout strapped to the corner of an old red brick wall above a limestone foundation
Worth remembering
  • There's no Missouri state gutter license to search for.
  • Rules are local, and they differ between the city, the county and each municipality.
  • Confirm insurance directly with the insurer.
  • Report problems to the Attorney General's hotline: 800-392-8222.

What the state does and doesn't do

The Division of Professional Registration's list covers trades and professions from architects to electrical contractors. It has no entry for gutter, roofing, home improvement or general contractors. Its license search is useful if your job involves someone on that list, such as an electrical contractor or an engineer, but it won't help with an ordinary gutter job.

Local rules

St. Louis County licenses mechanical trades and, after disasters, requires contractors to register with the county before pulling repair permits. Cities have their own rules and business licenses. Webster Groves, for example, says a contractor's license may be suspended or revoked for failing to schedule and pass required inspections. So ask your city hall what, if anything, applies to gutter work, and ask the contractor to show you.

A checklist

  1. Business name and address. Get the legal name and a physical address, and look it up with the Missouri Secretary of State.
  2. Insurance. Ask for a certificate and call the insurer to confirm it's in force. Ask about liability and about workers' compensation for anyone on your property.
  3. References. Ask for two or three recent jobs on a similar house, and drive by them.
  4. Complaints. Check with the Better Business Bureau and the Attorney General's office.
  5. Written contract. Scope, price, payment schedule, start and finish dates, guarantee, signatures.
  6. Permits. Who checks and who applies. Remember the owner is ultimately responsible for compliance.
  7. Lien waivers. On a larger job, ask about waivers from the contractor and suppliers when you make payments.

Warning signs

  • Door-to-door after a storm with pressure to sign today. The Attorney General warns about this.
  • Asking for cash, or for full payment up front.
  • An offer to pay your insurance deductible, which Missouri law prohibits.
  • An offer to negotiate your insurance claim, which the same statute prohibits.
  • "Leftover materials" at a steep discount.
  • No address, no paperwork, or a name that changes.

A note about us

We're a referral service. Passing on your request isn't a recommendation or a guarantee of anyone's work, and contractors may pay us a fee. These checks apply to anyone you hire, including contractors who reach you through this site.

Questions

Does Missouri require a license to install gutters?

The state's professional registration list has no category for it. Local rules can still apply, and some cities require business licenses. Ask your city hall, and ask the contractor what they hold there.

How do I check insurance?

Ask for a certificate of insurance and call the insurer listed on it to confirm the policy is active and what it covers. Webster Groves' homeowner guidance recommends this step.

Where do I complain about a contractor?

The Missouri Attorney General's Consumer Protection Hotline is 800-392-8222, and complaints can be filed at ago.mo.gov. Your city's building department may also want to know if permits were skipped.

Can I cancel a contract I signed at home?

Under RSMo 407.705, a buyer can cancel a covered home solicitation sale until midnight of the third business day after signing, with limited exceptions. Read your contract's notice and cancel in writing.

Sources

Related

General information for St. Louis-area homeowners. Not a quote, and not engineering, legal or insurance advice.

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