- Class 4 shingles earn the highest impact rating under UL 2218.
- They can reduce hail-related roof damage, but they are not hail-proof.
- Some insurance carriers may offer discounts for qualifying impact-resistant roofing.
North Dakota homeowners know how quickly hail can put a roof to the test. Class 4 shingles are designed for stronger impact resistance, making them worth considering when planning a roof replacement.
What Does Class 4 Mean?
UL 2218 rates roofing materials from Class 1 through Class 4 using steel ball impact testing. Class 4 is the highest rating. The test measures resistance to impact damage, but it does not mean a roof cannot experience granule loss, dents, or damage during a severe storm.
Are Class 4 Shingles Worth the Added Cost?
Impact-resistant shingles generally cost more than standard asphalt shingles. GAF notes that impact-resistant products may cost about 10 to 25 percent more. For homeowners around Bismarck, Jamestown, and other hail-prone areas of North Dakota, that added cost may be worthwhile if it helps reduce storm damage and future claims.
Can They Lower Homeowners Insurance Costs?
Some insurers offer roofing discounts for qualifying impact-resistant products. State Farm lists North Dakota among states where eligible impact-resistant roofing may qualify for a premium discount. Savings depend on the carrier, policy, and shingle, so confirm eligibility with your insurance agent before choosing a product.
If you are comparing roofing materials, our team at Better Roofing & Contracting can explain your roof installation options and help you choose a roof suited to North Dakota weather. Ask about impact-resistant shingles during your roofing estimate or contact us to get started.
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