Are Class 4 impact-resistant shingles worth it in Texas?
In North Texas, where hail is common, they often are. Class 4 is the highest rating in the UL 2218 impact test, and these shingles hold up better against hail than standard shingles. Many Texas insurance carriers offer a discount on the wind and hail portion of your premium for a Class 4 roof. Ask your insurance agent about the discount before you choose a shingle.
How shingles are rated
In the UL 2218 test, steel balls are dropped onto a shingle from a set height. The shingle passes if it does not crack. Ratings run from Class 1 to Class 4, based on the size of the ball the shingle can withstand.
A Class 4 shingle withstands a two-inch steel ball. Some manufacturers also use the FM 4473 test, which uses ice balls instead of steel.
Insurance discounts
Many Texas insurance carriers offer a discount for impact-resistant roofs. Each carrier sets its own discount, and some do not offer one.
Before choosing a shingle, call your insurance agent and ask what discount you would receive for a Class 4 roof and what paperwork they need. Most carriers ask for the manufacturer certificate and the final invoice.
What to expect from a Class 4 roof
A Class 4 roof holds up better against hail, but very large hail can still damage any roof.
Some impact-resistant shingles can show cosmetic marks after hail, and some Texas policies do not cover cosmetic damage. Flashing, underlayment and pipe boots also still matter, just as they do on any roof.
Related questions
How much more does a Class 4 roof cost?
Impact-resistant shingles usually cost somewhat more than standard architectural shingles. Our roof cost estimator shows both options.
Do Class 4 shingles look different?
Not really. Most look like standard architectural shingles and come in similar colors and styles.
When does the insurance discount start?
Usually once your insurance company has the paperwork, often at your next renewal. Ask your agent what they need.
