In hail country, impact-resistant shingles are one of the few upgrades that can pay you back. How much depends on your insurance company.
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Class 4 is the top impact rating under the UL 2218 standard, and TDI says a Class 4 roof covering receives the highest premium credit from insurers that offer one. The discount amount is set company by company, so ask your insurer for its number before you choose, and keep the installation form and product labels to claim it.
UL 2218 tests roof coverings by dropping steel balls of increasing size onto them. Products are rated Class 1 through Class 4; Class 4 withstands the largest balls without cracking. It means the shingle resists impacts better, not that it’s hail-proof.
Do the math with your own numbers: get the price difference between a standard and a Class 4 shingle on your roof, then ask your insurer what the annual discount would be. Some homeowners also choose Class 4 simply for fewer storm repairs.
It varies by insurance company. TDI says each company sets its own discount, with the highest credit for Class 4. Ask your insurer for its figure.
Yes. Tell your agent when the roof is installed and send the paperwork they ask for, such as TDI Form PC068 and the product label.
No. They resist impacts better than standard shingles, but very large hail can still damage them.
This guide is general information for Texas homeowners, not legal or insurance advice. Your policy, your city and your house decide the details.
