Service area
Roofing, Siding and Windows in St. Charles, MO
H&F Exteriors replaces roofs, siding and windows across St. Charles, from the historic districts along Main Street and in Frenchtown to homes built in the last decade. In the city’s six local historic districts, window, door and siding replacement needs the city’s approval first.
4.9900+ Google reviewsNo interest if paid in full within 18 months¹
Book your free inspection
Pick a day and time. Your project manager confirms the same day. No cost, no obligation, no pressure to decide.
St. Charles homes
St. Charles has homes from nearly every decade of the last century. About one in fifteen was built before 1940, and about one in five dates from the 1940s through the 1960s. The rest are spread across the 1970s to today, with roughly one in seven built since 2010.
Most are single-family houses, and the free inspection starts with what is on yours today, whatever its decade.
Is it time to replace your roof, siding or windows in St. Charles?
St. Charles has homes from nearly every decade of the last century. Whatever your home’s age, here is what wear looks like on its roof, siding and windows.
Signs your roof is wearing out
St. Charles homes span nearly every decade, so wear looks different street to street. On older homes, look for sagging and leaks at chimneys; on homes from the 1970s through the 1990s, curling shingles and grit in the gutters; on newer ones, shingles lifting in high wind.
Certified installer
Signs your siding is wearing out
Hardboard siding from the 1980s and 1990s swells and flakes at the bottom edges, and vinyl fades, cracks and pulls loose. In a local historic district, siding replacement needs a Certificate of Appropriateness first.
Certified installer
Signs your windows are wearing out
Glass fogs between the panes when a seal fails, frames get drafty and sashes stick. In the historic districts, window replacement needs a Certificate of Appropriateness too.
Certified installer
Insurance: some insurers limit coverage on older roofs, so storm damage left unrepaired can cost you later.
Some homeowners wait until there’s a leak, a draft or a cracked panel before calling. A free inspection catches problems before then, and tells you what needs a repair, what needs replacing, and what is still fine.
By era
What to expect from your home
Historic districts and landmarks
St. Charles has 26 individual landmarks and six local historic districts: South Main, Historic Downtown, Frenchtown, Commons, Landmarks, and Extended Historic Preservation. Window, door and siding replacement there, and most exterior work that needs a building permit, requires a Certificate of Appropriateness from the Historic Landmarks Preservation and Architectural Review Board.
The 1970s through the 1990s
Nearly half of St. Charles homes were built in these three decades. Hardboard and Masonite siding from these decades is often failing, and 1990s builder-grade roofs are at or past their rated life.
Homes built since 2000
More than a quarter of the city’s homes are this new. In St. Charles we install CertainTeed, Owens Corning, GAF and IKO shingles, James Hardie, LP SmartSide and vinyl siding, and Pella windows.
Building code and permits in St. Charles
St. Charles enforces the 2021 International Residential Code, with its energy chapter held at the 2015 edition. The city’s amended climate table marks ice barrier underlayment as not required. We still recommend it for most homes.
Where code does not require ice and water shield, an insurer may decline to pay for it, and the cost can fall to the homeowner. We explain this before work begins, so you can decide with the full picture.
The city’s amended list of work exempt from a permit does not include re-roofing, siding or windows. Permits come from the city’s Building Division, part of Community Development.
We pull the permits your project needs.
Reviews
What St. Charles homeowners say
★★★★★
H&F was amazing to work with. Very communicative at every step of the roof replacement. The different options they had and the flexibility they have made it easy to find the right product and price for my new roof.
Riley H. · St. Charles
Recent work
Projects in St. Charles
Storm & insurance
Storm damage? Start here.
If hail or wind hit your home, we inspect it for free and tell you whether a claim makes sense. If it does, we meet your adjuster, document the damage and guide you through each step.
Questions from St. Charles homeowners
Is my house in a historic district in St. Charles?
The city has six local historic districts: South Main, Historic Downtown, Frenchtown, Commons, Landmarks, and Extended Historic Preservation, plus 26 individual landmarks. The city’s preservation planner can confirm whether your address is included.
Do I need approval to replace windows on a historic home in St. Charles?
Yes, if the home is a landmark or in one of the six local districts. Window, door and siding replacement there requires a Certificate of Appropriateness from the Historic Landmarks Preservation and Architectural Review Board.
Does St. Charles require ice and water shield on a new roof?
No. The city’s amended building code marks ice barrier underlayment as not required. We still recommend it, and we explain before work begins what that can mean if your roof is part of an insurance claim.
Nearby
Also serving near St. Charles
We also replace roofs, siding and windows in these towns near St. Charles.
O'Fallon
Roof, siding and window replacement in O’Fallon, MO, where many 1990s and 2000s homes are due for a first new roof. Free inspection.
Maryland Heights
Roofing, siding and windows in Maryland Heights, MO, where the city’s code requires ice and water shield and window replacement needs a permit.
Hazelwood
Roof, siding and window replacement in Hazelwood, MO, where code requires an ice barrier on every new roof. Free inspection and itemized estimate.
How it works
Five steps, start to finish
Book a free inspection and we handle the rest. Here is every step, in order.
Inspection
We look at what you called us about, photograph what we find, and measure your home with Hover 3D modeling.
Estimate
On a date we set together, we review an itemized estimate with you line by line, so you know exactly what is included.
Materials and scheduling
When you are ready, we build your plan together, order materials and confirm your installation date. You get weekly updates by text while you wait.
Installation
Our team protects your property and completes the work to the manufacturer’s specifications, keeping you informed throughout.
Final walkthrough
We clean up, sweep the property for nails, and walk through the finished work with you.
Free inspection in St. Charles
Book a free inspection of your St. Charles home with H&F Exteriors, locally owned since 2018, with one project manager from start to finish and a two-year workmanship warranty.
4.9900+ reviewsNo interest if paid in full within 18 months¹