Class 3 Shingles are Impact Resistant
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.
Impact-resistant shingles are becoming the norm. These shingles go through stringent testing to ensure they can withstand the impact of different sized hailstones at various speeds.
Class 3 shingles are designed to resist impact from a 1.75-inch steel ball launched at 60 mph, which simulates the impact of hail.
Insurance Discount!
By putting on Class 3 shingles, most insurance companies give their policyholder a discount on their insurance premium.
Starting in 2025, many insurance companies placed ACV restrictions on roofs. If a roof is 10 year old, or older then it no longer has full RCV coverage. This is waived with Class 3 shingles for most companies – they retain full RCV coverage.
After a typically moderate hailstorm, homeowners with Class 3 shingles are less likely to need replacement of their roof and incur the deductible expense and hassle of replacing the roof again.
Selling your home?
Having Class 3 shingles is a selling point on your home for real estate transactions as they command a premium from buyers who want the increased protection and reduced homeowner’s insurance premiums!
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This blog is NOT legal advice. It is not insurance policy advice. You should consult and attorney and/or a licensed insurance agent for your specific situation.
