What Impact Ratings Mean for Shingles

If you have been looking at roofing materials in Texas, you have seen the term Class 4 impact resistant shingles. Here is what that actually means and whether you should spend the extra money.

What Is an Impact Rating

Impact ratings come from the UL 2218 test standard developed by Underwriters Laboratories. During the test, a steel ball drops from a specific height onto a shingle sample to simulate a hailstone. Ratings run from Class 1 through Class 4. Class 4 gives you the highest level of impact resistance available.

The Four Classes

• Class 1. Withstands impact from a 1.25 inch steel ball. Basic protection.
• Class 2. Withstands impact from a 1.5 inch steel ball.
• Class 3. Withstands impact from a 1.75 inch steel ball. Good mid range protection.
• Class 4. Withstands impact from a 2 inch steel ball dropped twice in the same spot with no cracking. The top level for hail prone regions.

Why It Matters in Central Texas

Central Texas sits in what people call Hail Alley. This region sees frequent and severe hailstorms every year. Standard shingles crack, dent, and lose granules after a significant hail event. That leads to leaks, premature aging, and insurance claims. Class 4 shingles hold up where standard materials fail.

The Insurance Discount

Many Texas homeowners insurance providers offer a discount of 20 to 30 percent for homes with Class 4 impact resistant shingles. That discount adds up over time and can offset the higher upfront cost of the materials. Call your insurance provider and ask what discount applies to your policy.

Many Texas insurance providers offer a 20 to 30 percent discount for homes with Class 4 impact resistant shingles.

Popular Class 4 Options

FSR Roofing installs several Class 4 rated products including GAF Timberline HDZ and the Tamko HailGuard series. Both handle Texas weather and look great on your home. You can see all of our residential roofing products and services for the full lineup.

Is It Worth the Upgrade

For most Central Texas homeowners, absolutely. You get better durability, lower insurance premiums, and fewer storm damage repairs over the life of the roof. If you are already replacing, Class 4 is the smart move.