Offsetting the cost
The Class 4 Insurance Discount, Accurately
There is a great deal of confusion about this, including from roofers. Here is what
the Texas Department of Insurance actually says, in its own words
rather than ours.
“A Class 4 roof covering would receive the highest premium credit. The amount
of discount for each class of roofing material is established by the insurance
company on a company-by-company basis.”
Class 4 = highest
TDI states Class 4 receives the highest premium credit of the four classes.
Your carrier sets it
The amount, the test criteria and the paperwork are decided company by company.
Never automatic
You have to request it and submit documentation.
What we will not tell you is a percentage. You will find roofing
sites quoting 20%, 35%, even 70%. There is no statewide figure, because TDI is
explicit that each company sets its own — so any roofer promising you a
specific saving is guessing, or worse.
What we can tell you is that Class 4 attracts the largest credit available, that your
carrier decides how large, and that you have to ask. We provide the UL 2218
documentation with any impact-rated installation. The number is a conversation with
your agent, ideally before you choose a shingle rather than after.
The question nobody tells you to ask
Some carriers attach a cosmetic damage exclusion to the
impact-resistant discount. Under that arrangement, hail that dents shingles
without functionally damaging them may not be covered at all — you take the
lower premium and give up cosmetic hail claims.
That may be a perfectly good trade on a Class 4 roof, which is built not to be
functionally damaged in the first place. But it should be a decision you made
rather than one you discovered after a storm.
Ask your agent: is any endorsement required to receive the credit,
and what does it exclude?
Ask your carrier four things: whether they offer an
impact-resistant credit at all, what it is for a UL 2218 Class 4 roof, whether any
endorsement is required to get it, and when it takes effect — some apply it at
renewal rather than immediately.
The full guide to Class 4 impact-resistant roofs — what
the two hail tests measure, why they disagree, and what TDI actually publishes about
the discount.