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Gutter InstallationSt. Louis
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  • A written, itemized estimateAsk if it is free before anyone climbs a ladder.
  • Seamless runs made on siteAsk if each run is formed at your house.
  • Proof of insuranceAsk for the certificate and call the insurer.
  • A straight permit answerAsk who checks your city and historic district rules.

Reviewed November 3, 2026. Gutter Installation St. Louis is a referral service; independent contractors do the work.

Short answer

After a storm, make things safe, photograph the damage, then call your insurer before you sign with anyone. Be wary of door-to-door offers: the Missouri Attorney General warns about them. Missouri law bars contractors from offering to pay or rebate your deductible, and from negotiating your insurance claim for you. In St. Louis County, repairs after a declared disaster have their own permit rules.

First
Stay safe, then take photos
Then
Call your insurer and get written estimates
Illegal in Missouri
Contractors offering to rebate your deductible
Doorstep sale?
You may have three business days to cancel

Storms here are real

On May 16, 2025, an EF3 tornado with 152 mph peak winds began near Clayton and crossed north St. Louis, while hail fell widely, up to about 2.5 inches at Harvester in St. Charles County and near Normandy in St. Louis County (NWS St. Louis). A month and a half earlier, a line of storms on April 2 brought winds over 70 mph across the metro area (NWS St. Louis).

What to do first

  1. Stay clear of downed wires and hanging limbs. Don't climb on a wet roof.
  2. Photograph the gutters, downspouts, siding and anything on the ground, with dates, before anything moves.
  3. Make only what temporary repairs you need to stop more damage. Keep receipts.
  4. Call your insurer, ask how to file, and write down the claim number.
  5. Get written estimates. You don't have to use the first person at the door.

What Missouri law says

  • Deductibles. RSMo 407.725 says a contractor doing roof or other exterior work shall not advertise or promise to pay or rebate any part of an insurance deductible as an inducement to sell.
  • Claims. The same section says a contractor shall not represent or negotiate for an owner on an insurance claim, or offer to. An offer to "handle your claim" is a warning sign.
  • Cancelling. That section also provides a cancellation right on contracts paid through property and casualty insurance, tied to the insurer's notice that a claim isn't covered. Read your contract's notice.
  • Doorstep sales. RSMo 407.705 lets a buyer cancel a covered home solicitation sale until midnight of the third business day after signing, with an exception for some emergency work.

After a declared disaster

St. Louis County's disaster recovery guidance says permits are required for all interior and exterior repairs to damaged buildings regardless of cost, and that only registered contractors or owners can pull them. Registration is free. (St. Louis County) Other cities may have their own rules, so ask yours.

Doorstep offers

The Attorney General says scammers often go door to door after storms offering to inspect roofs or gutters. Ask for ID, check out the business, never pay cash, and report trouble to the Consumer Protection Hotline at 800-392-8222 (Missouri AGO).

What to ask the contractor

  1. Can I have that in writing, itemized?A written estimate gives your insurer something to work with.
  2. Where's your business and who insures you?Ask for a real address and a certificate you can check.
  3. Is this repair or replacement, and why?Dents alone don't always stop a gutter working. Ask what's cosmetic and what's functional.
  4. Do you need a permit here?After a declared disaster, the rules may tighten. Ask who applies.

Storm damage around St. Louis

See what's different about each place.

City of St. Louis

St. Louis County

St. Charles County

Storm damage: questions

Do dented gutters need replacing?

Not always. Dents can be cosmetic, though they may pool water or split a seam. Whether your insurer pays is its decision, based on your policy. Photograph them and get a written opinion on what still works.

A roofer offered to cover my deductible. Is that OK?

No. Under RSMo 407.725, a contractor shall not advertise or promise to pay or rebate your insurance deductible as an inducement to sell. Treat the offer as a warning sign, and report concerns to the Attorney General's hotline at 800-392-8222.

Can a contractor deal with my insurance company for me?

Missouri law says a contractor shall not represent or negotiate for you on a claim, or offer to. They can give you a written estimate and explain the work. A licensed public adjuster or an attorney are the ones to ask for claim help.

I signed at the door. Can I cancel?

Possibly. Missouri gives buyers in covered home solicitation sales until midnight of the third business day after signing, with some exceptions for emergencies where work has begun. Read the notice in your contract and act quickly, in writing.

Further reading

Related work

  • Gutter Repair: Leaking joints, sagging runs and downspouts pulling off the wall, and how to tell a small fix from a warning sign.
  • Gutter Replacement: Taking the old system off and starting again, including whatever the removal uncovers underneath.
  • Fascia & Soffit Repair: The boards a gutter hangs on. If they're soft, a new gutter won't stay up for long.

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This site is a referral service. We pass your request to independent local contractors. We do not do gutter work ourselves, and contractors may pay us a referral fee. You pay us nothing and you don't have to accept any quote.