Are class 4 impact-resistant shingles worth the extra cost in Texas?
For many North Texas homeowners, yes. Class 4 shingles carry the highest impact rating under the UL 2218 test, so they hold up better to hail than standard shingles. They cost more up front, but many Texas insurance companies offer a premium discount for a class 4 roof, which can help offset the difference over time.
What the class 4 rating means
UL 2218 is a lab test for impact resistance. Steel balls of different sizes are dropped onto the shingle, and the shingle is rated from class 1 to class 4 based on whether it cracks. Class 4 is the highest rating and means the shingle passed the test with a two-inch steel ball.
Most major shingle manufacturers offer a class 4 shingle, and from the street they look like standard architectural shingles.
What class 4 shingles cost
Class 4 shingles cost more than standard architectural shingles. For reference, architectural shingle roofs typically range from $8,500 to $20,000, depending on the size and pitch of the roof. The roof cost calculator on this site includes a class 4 option, and we can price both options for you at a free estimate.
Insurance discounts
Many Texas insurance companies offer a discount on your premium for a class 4 roof. The amount depends on your insurance company and where you live, so ask your agent for the exact discount before you choose your shingles.
Things to keep in mind
Some policies that offer a discount also exclude cosmetic damage, meaning dents that do not affect how the roof works may not be covered. Read your policy or ask your agent.
A class 4 roof still needs to be installed correctly, with sound decking and proper flashing, to perform as intended.
Related questions
Do class 4 shingles look different?
No. From the street they look like standard architectural shingles and come in similar colors.
Will insurance pay for class 4 shingles on a claim?
Insurance usually pays to replace what was there before. Upgrading to class 4 during a claim is often an added cost to the homeowner, and a replacement is a good time to make the upgrade.
Do you install class 4 shingles?
Yes. All My Brothers Construction installs class 4 impact-resistant shingles.
