Can Impact-Resistant Shingles Lower Your Homeowners Insurance?
If you are already planning a roof replacement, you may hear that choosing an impact-resistant shingle could help lower your homeowner's insurance premium.
Sometimes it can. But it is not something we would recommend counting on until you talk with your insurance provider.
Impact-resistant shingles are designed to perform better against impacts such as hail. You may see certain products described as Class 4, which is the highest rating under the UL 2218 impact-resistance classification.
But a Class 4 rating and an insurance discount are two different things.
Whether a roofing product qualifies for a premium reduction depends on your insurance carrier, your specific policy, where you live, and sometimes the exact product being installed. Even when a carrier offers a roofing discount, the amount and requirements can vary.
Can Impact-Resistant Shingles Qualify for an Insurance Discount?
If insurance savings are part of your decision, contact your agent before selecting your roofing material.
Ask whether your policy offers any benefit for impact-resistant roofing and whether they have a list of qualifying products or documentation they require after installation.
Once you have that information, you can compare the roofing options based on durability, appearance, cost, warranty, impact resistance, and any insurance benefit your carrier has actually confirmed.
Hilltop can help explain the roofing products and how they differ. Your insurance provider should always be the source for what your policy covers, what qualifies, and whether your premium could change.
That way, you are choosing the roof because it makes sense for your home, not because of a discount that may or may not apply.
