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Class 4 Impact-Rated Roofing: How Texas Homeowners Save 15-35% on Insurance

Class 4 Impact Rated roofing shingle durability test

In Texas, where hailstorms cause billions in property damage annually, Class 4 impact-rated roofing materials offer a compelling value proposition: superior protection against storm damage AND significant insurance premium discounts. For many DFW homeowners, the insurance savings alone justify the upgrade.

What is Class 4 Impact Rating?

UL 2218 is the testing standard for impact resistance. Class 4 is the highest rating, meaning the material withstands two direct impacts from a 2-inch steel ball dropped from 20 feet without cracking or splitting. This simulates large hail impacts. Class 4 materials include certain architectural shingles, metal roofing, and synthetic slate products.

Texas Insurance Discounts for Class 4 Roofs

Texas law requires insurers to offer discounts for wind and hail resistant roofing. Typical discounts range from 15% to 35% on your premium. On a $3,000 annual premium, that's $450 to $1,050 in annual savings. Over a 25-year roof lifespan, you could save $11,250 to $26,250 — often more than the upgrade cost itself.

Class 4 Materials We Install

GAF Armor Shield II: Impact-rated architectural shingle with StainGuard Plus. Owens Corning Duration FLEX: Polymer-modified for enhanced impact resistance. TAMKO Titan XT: Budget-friendly Class 4 option. Standing Seam Metal: Inherently Class 4 rated with proper gauge steel. Brava Composite: Synthetic slate with Class 4 rating.

Claiming Your Insurance Discount

After installation, JRH Construction provides documentation including the manufacturer's UL 2218 Class 4 certification and a letter of completion. Submit these to your insurance company to activate your discount. Most insurers apply the discount at your next renewal.

Contact JRH Construction for a Class 4 roofing consultation. We'll calculate your potential insurance savings and recommend the best material for your home.

 
 
 

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