What are Impact Resistant Class 4 Shingles

Class 4 impact resistant shingles provide homeowners who with maximum protection from Midwestern hail and wind storms. Your roofing material roof matters because it protects everything under it – your home and loved ones.

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.

Hail-resistant shingles that are rated Class 4 impact-resistant are the strongest protection to hail damage.

The additional thickness and durability Class 4 shingles also increase the longevity of the roof, add resistance to falling debris and provide protection from scraping tree branches.

50-year Warranty

Class 4 shingles typically carry a 50-year product warranty from manufacturers while “normal” shingles carry a 30-yr warranty.

Typically, the wind rating on Class 4 shingles increases from the standard 110 mph to 130 mph.

Insurance Discount!

By putting on Class 4 shingles, most insurance companies give their policyholder a discount on their insurance premium.  You can even grab a discount from putting on Class 3 shingles!

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 4 shingles for most companies – they retain full RCV coverage.

After a typically moderate hailstorm, homeowners with Class 4 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 4 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!

~~~~~~~~~~~~

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.