Homeowners in the DFW metroplex frequently encounter the term 'Class 4' when selecting new roofing materials. This classification refers to the UL 2218 standard, which measures the impact resistance of shingles using steel balls dropped from specific heights to simulate hail strikes.
The Four Classes of Impact Resistance
The rating system ranges from Class 1 to Class 4. A Class 4 rating is the highest achievable level, meaning the shingle backing did not crack or tear after being struck twice in the same spot by a two-inch steel ball. This testing does not guarantee a roof is 'hail-proof,' but it indicates a much higher threshold for damage compared to standard shingles.
Beyond durability, many Texas insurance providers offer premium discounts for homes with Class 4 certified roofs. These savings can range from 10% to over 20% depending on the carrier and the specific policy terms.
When choosing a material, it is important to ensure the product is listed by an accredited laboratory. While asphalt shingles are the most common Class 4 products, certain metal and synthetic composite materials also achieve this rating regularly.
We recommend homeowners check with their insurance agent before installation to verify which specific certifications are required to trigger a policy discount.