Spring in Texas means chances for big ol’ hailstones, which means thousands of homeowners will be paying for an unexpected roof project. Roofers will be advertising free or discounted “Class 4 upgrades,” but most customers won’t know what that means. Simply put, it’s an impact rating related to how much hail damage a shingle can take.
So, what is a Class 4 shingle? Understanding shingle ratings begins with the UL 2218 Impact Resistance Test, a U.S. standard that ranks the toughness of roofing materials. Shingles are rated by the size of hail they can take, measured in inches in diameter. We’ll cover that in a moment.
Having more impact-resistant roofs in Texas would be great, but there are reasons why not every homeowner chooses to upgrade. If you’re considering Class 4-rated shingles, or just a more durable shingle in general, this guide is for you.
What is a Class 4 shingle: Shingle Classifications
Shingle classifications help homeowners like you understand the level of protection different roofing materials offer. Class 4 shingles are the top-tier option for impact resistance. They are specifically designed to resist frequent hailstorms and other debris impacts more efficiently than standard shingles. These high-quality shingles are often made with styrene-butadiene-styrene (SBS), which improves resistance to impact and makes them less likely to crack. Due to their exceptional durability, these shingles can reduce the risk of storm damage. Many insurance companies offer discounts for homeowners installing these shingles, as they provide superior protection against extreme weather. While their upfront cost is higher, the protection and savings may justify the expense.
Fancy Talk: The UL 2218 Impact Resistance Test
The UL 2218 Impact Resistance Test is the standard in determining a shingle’s durability. It’s a standardized test agreed on by roofing professionals used to grade shingles from all brands based on their ability to withstand impacts. To conduct the test, a 2-inch steel ball is dropped from a height of 20 feet onto the shingle. This simulates the impact of hailstones from intense storms. A shingle must survive these hits without tearing to earn a Class 4 rating. Underwriters Laboratories introduced this test in the mid-1990s to provide a clear standard for roofing products. Successfully passing this test indicates the shingle can withstand severe weather events, thus informing consumers about its impact resistance rating.
The Dirt: Class 4 vs. Other Shingle Classes
Class 4 shingles are superior to other classes due to their high impact resistance. Unlike standard asphalt shingles, Class 4 shingles can endure significant impacts from large hailstones and flying debris. Regular shingles, though cheaper, are prone to damage in harsh weather, potentially leading to costly repairs. The shingle classification system ranges from Class 1 to Class 4, with each class offering different levels of protection. Standard shingles might offer shorter warranties compared to Class 4 ones, posing a higher risk of damage. Therefore, while the upfront cost of Class 4 shingles might be higher, their lifespan and level of protection can offer long-term savings.
What is a Class 4 shingle? The Benefits
Class 4 shingles are the premium choice for homeowners looking to enhance their roof’s durability. These shingles deliver high-level protection against extreme weather, dramatically reducing the chance of damage that often leads to insurance claims. Thanks to their premium construction, Class 4 shingles can increase a home’s resale value. Insurance companies often offer discounts to homeowners with these shingles because they lower the risk of damage. Built with reinforced materials like fiberglass mats and specialized asphalt, Class 4 shingles are designed to handle impacts without cracking. This strength is a testament to their quality, often reflected in extended warranties provided by manufacturers.
Impact Resistance Against Severe Weather
Class 4 impact-resistant shingles are specially made to endure severe weather, including hailstorms and strong winds. Their toughness is tested by dropping heavy steel or ice balls onto them, simulating real-world impacts like hail. To earn an impact rating of Class 4, shingles must survive a hit from a 2-inch steel ball without cracking. This successful test shows their ability to protect homes during storms and minimize sudden damage costs. The use of materials like SBS polymers gives these shingles extra flexibility, allowing them to deflect hail impacts. Homeowners benefit from added peace of mind and may enjoy lower insurance premiums as a result.
Longevity and Durability
Class 4 shingles not only provide exceptional protection but also offer long-lasting benefits. With warranties reaching up to 50 years, they significantly extend the lifespan of a roof compared to regular shingles. These roofing products can handle impacts from hail up to 2 inches in diameter, maintaining their structural integrity in challenging conditions. The inclusion of SBS or rubber-like polymers in their design means they can better withstand impact over time, reducing the need for frequent repairs. Many of these shingles also boast a Class A fire rating, offering superior protection against fire hazards. With Class 4 shingles, homeowners can delay costly re-roofing projects for at least 30 years, enjoying robust, lasting protection.
Money Time: Financial Incentives
Investing in Class 4 impact-resistant shingles can be financially rewarding. These shingles not only provide superior protection against severe weather but also offer the potential for substantial insurance savings. Although the initial installation cost is higher than standard shingles, the long-term benefits often outweigh this expense. Many insurance companies provide premium discounts to homeowners with these high-quality shingles, recognizing their effectiveness against storms. These discounts, which can be between 5% to 35% annually, help offset the upfront cost, making Class 4 shingles a wise financial choice.
Increasing Property Value with Class 4 Shingles
Class 4 impact-resistant shingles can substantially boost a home’s resale value. Their durability means less frequent upkeep, which appeals to buyers who prefer improved durability. Additionally, homes with these shingles may qualify for insurance discounts. This financial perk adds extra appeal for potential buyers, especially those purchasing in areas known for extreme weather. Besides their practical benefits, Class 4 shingles also come in attractive designs, mimicking natural materials such as wood shakes. This aesthetic coupled with their longevity makes a home more desirable to prospective buyers, enhancing the property’s value in the market.
Potential Insurance Savings
Homeowners with Class 4 impact-resistant shingles may enjoy significant insurance premium discounts. Depending on where you live and your insurance company, discounts can range from 20% to 28%, thanks to the shingles’ proven ability to resist hail damage. These shingles lower the risk of needing repairs after a storm, resulting in fewer claims. As a result, insurance companies offer these discounts to incentivize homeowners to install such reliable roofing. However, insurers often require documentation proving the installation of these shingles for discounts. The reduction in annual insurance costs can help counterbalance the higher initial expense of Class 4 shingles over time.
Cost-Effectiveness and Return on Investment
Though Class 4 shingles have a higher upfront cost, they offer excellent value in the long run. Typically, these shingles cost 10-25% more than standard products, which can translate to between $4,960 and $8,950 for an average roofing project. Despite this initial investment, the long-lasting nature and strength of Class 4 shingles mean fewer repairs, reducing long-term maintenance costs. Many insurance providers offer a fee deduction of 10-25% for homes with Class 4 shingles, promoting long-term savings. Additionally, the resale value of homes often increases with the installation of these impact-resistant shingles, especially in storm-prone areas. Their inclusion on premium credit lists and requirement by some building codes further highlights their financial advantages, reinforcing their return on investment.
Potential Drawbacks to Consider
While these shingles offer excellent protection, they come with additional cost compared with standard shingles. This can be a significant factor for budget-conscious homeowners. Also, Class 4 shingles are heavier than typical shingles, which may pose problems for older homes with limited weight capacity. Another issue is that asphalt Class 4 shingles can experience granule loss over time, impacting the performance you paid for.
Higher Upfront Cost
One of the main considerations when choosing Class 4 shingles is their higher upfront cost. These shingles often use specialized materials and construction techniques, making them more expensive than standard asphalt shingles. In general, Class 4 shingles can cost between $1 to $2 per square foot just for materials. They tend to run 10-20% more than standard, non-tested shingles. However, many insurance companies offer premium discounts for homes with Class 4 shingles. This can help offset the initial cost. Moreover, their durability and longer lifespan can lead to savings over time by reducing the need for frequent repairs or replacements. Thus, while the upfront costs may be a downside, the long-term benefits could be worth the investment.
Weight Considerations
Weight is another key factor to think about with Class 4 shingles. These shingles are designed to stand up to extreme weather conditions, which often results in increased weight. While this sturdiness is generally an advantage, it can be a drawback for some homes. Older houses or those with structural concerns may struggle to support the added weight. It is crucial for homeowners to consult with a roofing contractor to assess whether their roof can handle the extra load. Neglecting this step could damage the roof or even the home’s structure. Therefore, while Class 4 shingles offer better protection, adequate evaluation of the house’s ability to support their weight is essential.
Granule Loss Over Time
Granule loss is another problem that can occur with asphalt Class 4 shingles. Over time, the shingles may shed some of their protective granules, affecting their appearance and functionality. This loss can result in dark spots on the roof, making it look less appealing. More importantly, granule loss may expose the underlying mat, reducing the shingles’ effectiveness in protecting the roof. Factors such as hail impacts can accelerate this granule loss. Some shingles are engineered to have excellent granule adhesion, ensuring they maintain their protective qualities for an extended period. However, homeowners should be mindful of this potential issue and check their roof periodically for signs of granule loss.
There are new synthetic options, like F-Wave shingles, that don’t experience granule loss. These shingles can also self-heal after hail impacts.
Making the Decision
When it comes to choosing the right shingles for your roof, many factors come into play. Class 4 shingles stand out due to their superior impact resistance rating. These shingles are specifically designed to withstand extreme weather conditions, such as hail. While they have a higher upfront cost than regular asphalt shingles, their long-term benefits are substantial. They offer a longer lifespan and often come with a 50-year limited warranty. This durability reduces maintenance costs over time. Moreover, many insurance companies offer premium discounts for homes equipped with Class 4 impact-resistant shingles. For homeowners, investing in these shingles can add significant value to their property and lead to long-term cost savings.
Assessing the Need for Impact Resistance
Impact resistance is crucial for maintaining the integrity of a home’s roof, especially in areas prone to severe weather events. Class 4 shingles, the highest rating for impact resistance, protect homes from hail and debris. They undergo rigorous testing, including the steel ball test. In this test, a 2-inch steel ball is dropped from 20 feet to ensure the shingles can withstand substantial impacts without damage. Choosing impact-resistant shingles can result in insurance discounts in areas prone to hail. Homeowners in regions with frequent severe weather should consider Class 4 shingles to effectively safeguard their homes against storm damage. This decision not only protects the roof but also minimizes long-term repair costs.
Balancing Cost Versus Benefits
While Class 4 shingles are pricier due to their advanced materials and construction techniques, the long-term savings they offer are noteworthy. These shingles reduce repair and replacement costs, leading to financial benefits in the long run. Homeowners can also benefit from insurance discounts ranging from 5% to 35% when they install Class 4 impact-resistant shingles. This potential saving is due to the shingles’ ability to significantly lower risk assessments for insurers. In areas prone to severe weather conditions like hail, the higher initial investment in Class 4 shingles proves to be worthwhile. The cost of these shingles typically ranges from $1 to $2 per square foot for materials. In more moderate climates, opting for Class 3 shingles might be more cost-effective. However, in severe weather regions, the enhanced durability and potential insurance discounts make Class 4 shingles an appealing choice.
Installation Expertise
Ready to explore a Class 4 shingle for your specific roofing project? We’d love to help. Texas Direct Roofing & Construction has a ton of experience installing Class 4 shingles in North Texas and East Texas. We even offer F-Wave, a synthetic, self-healing Class 4-rated shingle not offered by all roofers. The learn more, just give us a call.