Class 4 shingles are rated to the highest level of the UL 2218 impact test: a 2-inch steel ball dropped from 20 feet onto the same spot without cracking the shingle.
The cost difference
In our pricing, Class 4 shingles run $560–$820 per square installed versus $450–$650 for standard architectural. On a 30-square roof, that's roughly a $17,000 versus $13,500 starting point. If insurance is replacing your roof after a storm, you typically pay only the difference to upgrade.
Potential insurance savings
Many Texas carriers offer a discount for Class 4 roofs. Ask your agent for the exact amount on your policy, then compare it against the upgrade cost. Over the life of the roof, the savings can cover the difference.
When it makes sense
- You're already replacing your roof due to hail.
- Your carrier offers a meaningful discount.
- You plan to stay in the home for several years.
Frequently asked questions
How much is the Class 4 insurance discount?
It varies by carrier and policy. Some Texas insurers offer a meaningful premium discount for UL 2218 Class 4 roofs; others offer little. Call your agent with the question before you choose.
Do Class 4 shingles look different?
Most look just like standard architectural shingles and come in the same colors.