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Class 4 Impact Resistant
Roofing — Save 18–32%
On Insurance Per Year
In Indiana, Illinois, and Michigan's hail corridor, upgrading to Class 4 UL 2218 shingles is one of the highest-ROI investments a homeowner can make. The $800–$1,400 upgrade premium recovers in 12–18 months through annual insurance savings — then generates $800+ per year in net savings for the life of the shingles. One contractor. Free estimate. Carrier discount confirmed before materials are ordered.
What Is a Class 4 Impact-Resistant Shingle?
UL 2218 is the roofing industry's hail impact resistance rating system. Class 4 is the highest rating — achieved by passing a test that no standard architectural shingle can pass: a 2-inch steel ball dropped from 20 feet onto the same spot twice, with no cracking or substrate penetration.
The UL 2218 Test
2" steel ball. 20-foot drop. Same spot twice. No cracking permitted. Standard architectural shingles fail at Class 1 or 2. Class 4 is the maximum rating.
Four Rating Classes
Class 1 (1" ball) · Class 2 (1.25") · Class 3 (1.5") · Class 4 (2"). Only Class 3 and 4 qualify for most insurance discounts. Class 4 gets the highest discount tier.
Extended Service Life
Class 4 resists the granule loss that shortens standard shingle life. Achieves 28–35 effective years in high-hail markets vs. 18–22 for standard architectural.
Same Installation
Class 4 shingles install identically to standard architectural. Same tools, same process, same roofing system. The difference is material composition only.
What Is the Financial Return on Class 4 Shingles?
The math is straightforward — and your matched contractor confirms your carrier's actual discount rate before materials are ordered so the ROI is locked in before you commit.
Sample ROI — Indianapolis Home · State Farm 25% Discount
Actual discount varies by carrier, home, deductible, and state. Confirm with your agent. See full Class 4 discount guide →
Which Insurance Carriers Offer Class 4 Discounts?
Always confirm with your agent before ordering materials. Discount percentages vary by state, county, home age, and deductible. Get the confirmation in writing — by email from your agent — before your contractor orders shingles.
What Do Homeowners Say After Upgrading to Class 4 Shingles?
"The contractor confirmed our Indiana Farm Bureau discount before ordering anything. We got 28% off our annual premium — $896 per year savings. The upgrade cost us $1,100 more than standard shingles. We broke even in 15 months. Now it's pure savings every year for the next 30 years."
"We had hail damage twice in 6 years. The second time we upgraded to Class 4 during the insurance replacement. The contractor provided the Certificate of Installation — State Farm applied a 22% discount at the next renewal. Haven't had a claim since. The shingles are genuinely different."
"I was skeptical about the ROI claim. The contractor showed me the actual carrier form, confirmed my Erie Insurance rate, and calculated the exact payback. 19 months. I asked my agent the next day and she confirmed the discount. Everything the contractor said was accurate."
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What Are the Most Common Class 4 Shingle Questions?
How Do You Get a Class 4 Estimate With Discount Confirmation?
Your matched contractor confirms your carrier discount rate, installs qualifying Class 4 shingles, and provides the Certificate of Installation your carrier needs. Free match.