Class 4 shingles cost more upfront. But the insurance discount math is compelling — especially in Texas, Colorado, Kansas, Missouri, and Oklahoma.
(844) 437-2076 — Free EstimateImpact resistance is rated by the UL 2218 standard, which tests shingles by dropping steel balls of different sizes from specific heights. Class 1 is the lowest rating; Class 4 is the highest. A Class 4 shingle must withstand a 2-inch steel ball dropped from 20 feet without cracking.
Standard architectural shingles are not Class 4 rated and will show damage from moderate hail that Class 4 shingles would survive undamaged.
| Home size | Standard arch. shingles | Class 4 upgrade premium | Insurance discount payback (20%) |
|---|---|---|---|
| 1,500 sq ft home | $8,000–$13,500 | +$1,200–$2,000 | 3–5 years |
| 2,000 sq ft home | $10,500–$17,000 | +$1,500–$2,500 | 3–5 years |
| 2,500 sq ft home | $13,000–$21,000 | +$1,800–$3,200 | 4–6 years |
| State | Typical insurance discount | Annual savings ($250K home) | Upgrade payback |
|---|---|---|---|
| Colorado | 20–30% | $300–$600+ | 3–5 years |
| Texas | 15–30% | $250–$550+ | 3–6 years |
| Kansas / Oklahoma | 15–25% | $200–$450 | 4–7 years |
| Missouri / Nebraska | 10–20% | $150–$350 | 5–9 years |
| Illinois / Iowa | 5–15% | $75–$250 | 8–15 years |
| Southeast / Coastal | Varies (wind focus) | Varies | Varies |
Free in-person estimate from a licensed local contractor — no obligation.
GAF’s Class 4 rated architectural shingle. Most popular Class 4 product by installation volume. Qualifies for GAF’s enhanced warranty when installed by Master Elite contractors.
OC’s Class 4 rated architectural shingle. SureNail Technology for superior wind resistance. Qualifies for OC’s Platinum Protection warranty with certified contractors.
CertainTeed’s impact-resistant option. SureStart Protection warranty through certified SELECT ShingleMaster contractors.
Get the exact discount in writing from your insurance company before finalizing your shingle selection. Discounts vary widely by carrier — some offer 25–30% for Class 4, others offer nothing. If your current carrier offers a small discount, ask an independent agent to run quotes from competing carriers. The discount difference alone can be worth shopping your policy.
Free estimate with pricing for both standard and Class 4 impact-resistant shingles.
(844) 437-2076 Call For Free Inspection