Both shingles are impact resistant. They both typically warrant an insurance premium discount. So what is the difference between the two shingles?

Pick whom you like, but pick local. No Omaha or Lincoln roofer is coming back under warranty for a leak. No, your roofer doesn't need to meet the adjuster.

Class 3 shingles are Impact Resistant and are eligible for an insurance discount with most companies. They are less expensive than Class 4, but provide superior hail protection than typical shingles.

Class 4 impact resistant shingles provide homeowners who with maximum protection from Midwestern hail and wind storms and they receive an insurance discount.

If your roof is 10 year old, or older then you probably have ACV coverage on your roof. In 2025 most insurance companies changed their policies regarding roofs.