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How a High-Impact Roof Can Reduce Your Home Insurance


Did you know that you may qualify for a homeowners insurance discount simply based on the material you choose for your roof? In many states, use of impact-resistant roofing products makes you eligible for significant insurance premium discounts. Here’s what you need to know about this potential discount.

Classification of Roofing Materials

In 1996, the first test standard was developed to assess the impact resistance of roof coverings. The Underwriters Laboratories (UL) 2218 test standard utilizes steel balls to simulate the impact of hailstones falling on a roof. To pass the test, a material must show no evidence of impact on the front or back when steel balls are dropped from varying heights. Roof coverings that pass the UL Standard 2218 test are classified as either Class 1, 2, 3 or 4.

The toughest roofing materials fall into Class 4 for high impact resistance. A Class 4 roof covering receives the biggest premium discounts, with the amount of discount for each class of roofing material established on a company-by-company basis. Most asphalt shingles are in Class 1, so they are not considered high-impact materials.

Nature’s Class 4 Material

For ultimate impact resistance, The Roofing Company recommends natural slate roofing. Slate easily passed UL 2218 Class 4, the toughest impact test (slate shingles show no evidence of cracks or ruptures on front or back). At the request of the National Slate Association, more lab testing was conducted to confirm the ability of roofing slate to withstand hail damage. See the results for yourself!

Compare this result to standard asphalt shingles, which may have cracks or ruptures visible on the surface or back immediately after large hail impact. Learn more about the many benefits of slate roofing for your home.

Learn More about Impact-Resistant Roofing

Other common high-impact options are metal shingles or upgraded asphalt shingles that use polymer modified asphalt for improved impact resistance. In addition, new high-impact roofing products are frequently introduced to the market. If you would like to consider installation of an impact-resistant roof, The Roofing Company would be glad to schedule an appointment for a free consultation and estimate. Have a question about your roof for our roofing contractors in Virginia Beach, VA? Give us a call today at (757) 903-0050.

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Frequently Asked Questions About TPO Roofing

Frequently Asked Questions About TPO Roofing

As fall starts, many homeowners are calling roofers in Chesapeake for roof inspection, repair, or replacement.

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