Question 1

Will Class 4 shingles eliminate hail damage?

Accepted Answer

No. Class 4 shingles dramatically improve impact resistance versus standard asphalt and typically reduce hail damage in moderate hail events, but very large hail (2.5"+) can still damage Class 4 product. The rating is about hail performance, not invincibility.

Question 2

How much insurance discount can I expect for a Class 4 roof?

Accepted Answer

It varies. We see Colorado carrier discounts ranging from roughly 5% to 30% off the wind/hail portion of the premium, with State Farm, USAA, Allstate, and Farmers all offering some version of the program in our market. The actual dollar discount depends on your carrier, your policy, and your dwelling coverage. Confirm directly with your insurance agent before assuming a specific discount.

Question 3

Where is Class 4 required by code in Colorado?

Accepted Answer

Lakewood, Fort Collins, Colorado Springs (Pikes Peak Regional), and Boulder County (unincorporated) are the largest jurisdictions that effectively mandate Class 4 on residential replacements. Other jurisdictions are reviewing similar requirements year by year.

Question 4

What manufacturers does AC INC Roofing install for Class 4?

Accepted Answer

We routinely install Atlas StormMaster Shake and Pinnacle Pristine Impact, CertainTeed Landmark IR / Landmark ClimateFlex, GAF Timberline AS II, Owens Corning Duration FLEX / Duration STORM, and Malarkey Vista AR / Legacy Scotchgard / Highlander NEX. All are UL 2218 Class 4 rated and qualify for the manufacturer’s Class 4 impact warranty.

Class 4 Impact-Resistant Shingles — UL 2218