Key takeaways
- Short answer: Often, yes.
- Class 4 = highest UL 2218 impact rating
- Discounts vary by insurer and state
- Keep the installation certificate
- Typical roofing cost: $6,700–$25,000 per roof replacement.
What Class 4 means
Under the UL 2218 test, steel balls are dropped on shingles from set heights. Class 4 shingles withstand the largest ball without cracking, which is why they resist hail better than standard shingles.
How to get the discount
- Ask your agent whether your insurer offers an impact-resistant roof discount and what proof it needs.
- Choose shingles labeled Class 4 under UL 2218.
- Keep the invoice, product name and a contractor certificate showing the rating.
- Send the documents to your insurer after installation.
In some states, programs like FORTIFIED roofs from IBHS can earn additional discounts or grants. Check what applies where you live.
Is it worth the extra cost?
Class 4 shingles typically cost more than standard architectural shingles. In hail-prone areas the insurance savings and fewer claims can offset that over the roof's life; in low-hail areas the payback is weaker. See roof cost per square for material prices.
Related questions
Are Class 4 shingles hail-proof?
No. They resist hail better, but very large hail can still damage them, and cosmetic damage may not be covered by some policies.
Do metal roofs qualify for impact discounts?
Many Class 4-rated metal roofs qualify. Ask your insurer which products and ratings it accepts.
Can I get the discount on an existing roof?
Only if the roof is already Class 4 and you can document it, usually with the original invoice or product labels.
Other roofing questions homeowners ask
Will insurance pay for a new roof after hail?
Usually, if hail or wind caused sudden damage and your policy covers it. You pay the deductible, which is often a percentage of dwelling coverage in storm-prone states. Normal wear and old age are not covered.
Can you put a new roof over old shingles?
Many codes allow one overlay on a single layer of asphalt shingles, but a full tear-off is usually better. It exposes rotted decking and is preferred by many manufacturers and insurers.
How much does it cost to replace a 2,000 sq ft roof?
A 2,000 sq ft roof is about 20 squares (often 22–24 with pitch and waste). With architectural shingles, plan on roughly $6,700–$25,000, with most jobs near the middle of that range.
What does a new roof cost per square foot?
Architectural asphalt shingles typically run about $4.50–$12.50 per square foot installed, steel roofing about $4.50–$17 and tile about $5–$18. Roofers usually quote per square (100 sq ft).
Do I need a roof repair or a full replacement?
Repair when damage is limited to a small area on a roof with plenty of life left. Replace when the roof is near the end of its life, has widespread curling or granule loss, or leaks in several places.
How much does a roof inspection cost?
Independent roof inspections commonly cost a few hundred dollars. Many roofers inspect free after storms, but an independent inspector has nothing to sell you.
Is a metal roof worth the cost?
For owners staying 15 years or more, often yes. Metal lasts 40–70 years and resists wind and fire, but it costs significantly more up front than shingles.
What is the best time of year to replace a roof?
Late spring through fall works best in most climates, and fall is often the least busy season. Shingles need warm days to seal properly.
Roofing at a glance
Timeline
Most homes are re-roofed in 1–3 days. Large, steep or tile roofs take longer.
Permits
Most cities require a re-roofing permit and a final inspection. Your roofer should pull it.
DIY or pro?
Inspect from the ground with binoculars and keep gutters clean. Walking the roof, repairs and replacement are jobs for an insured pro.
What roof replacement and repair costs
Roof replacement typically costs $6,700–$25,000, and most homeowners spend about $14,000 for a 2,000 sq ft roof with architectural shingles. Metal, tile and slate cost more but last much longer.
Keep reading
Sources: IBHS — FORTIFIED Home. Ranges are rounded estimates; see our editorial policy.