Roofing Guide
Class 4 Impact Resistant Shingles
Texas hail country demands more than a standard shingle. Here's everything you need to know — including how to get an insurance discount for upgrading.
What “Class 4” actually means
The UL 2218 standard tests roofing products by dropping a 2-inch steel ball from 20 feet. Class 4 shingles withstand that impact without cracking. Standard shingles don't.
In Texas hail events, stones frequently exceed 1.5 inches. Class 4 shingles absorb that energy without fracturing — meaning no water infiltration, no hidden damage, no claim.
The insurance discount
Most major carriers — State Farm, Allstate, Farmers, USAA — offer 15–30% premium discounts for Class 4 IR roofing. On a $3,000/year policy, that's $450–$900 annually.
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Ready to upgrade?
We'll inspect your current roof, walk you through the right Class 4 product for your home, and handle the insurance discount documentation.
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