Statistics

Class 4 Impact-Resistant Shingle Insurance Discount Statistics

Quick answer

Texas was the first state, in 1998, to require insurers to offer a discount for impact-resistant roofing, and reported discount ranges are commonly cited at 5% to 28% depending on county and insurer, with 20% to 35% off the dwelling-coverage premium portion frequently mentioned. Oklahoma discounts are commonly cited at 5% to 20%, with 10% to 20% cited as the typical range from the state’s top insurers. Both figures come from roofing-contractor marketing pages describing state insurance rules rather than a direct state insurance-department filing, so the mandated-offer laws themselves, not the exact percentages, are the more solidly corroborated fact here. To earn a Class 4 rating at all, a shingle must pass UL 2218 testing, a 2-inch steel ball dropped from 20 feet with no cracking allowed. No source for an actual nationwide Class 4 shingle adoption rate, what share of US roofs or new installations actually use one, was found, and none is estimated here.

By VA Horizon Team · August 16, 2026 · 5 min read

What Earns a Shingle a Class 4 Rating

Class 4 is an impact-resistance rating, not a brand or a material. To earn it, a shingle has to pass UL 2218 testing, which drops a 2-inch steel ball from 20 feet directly onto the shingle and requires no cracking for the product to qualify. That test standard is the technical foundation under every state insurance-discount law referenced below, since a discount for “impact-resistant roofing” is a discount tied specifically to a shingle that has passed this test.

Where the Discount Laws Exist, and What They Guarantee

Texas was the first state to act, requiring insurers as far back as 1998 to offer a discount for impact-resistant roofing, though the law mandates that insurers offer the discount, not a specific percentage. Reported discount ranges commonly cited run 5% to 28% depending on county and insurer, with a narrower 20% to 35% off the dwelling-coverage premium portion frequently mentioned. Oklahoma similarly mandates a discount offer, with figures commonly cited at 5% to 20%, and a narrower 10% to 20% cited as the typical range among the state’s top insurers.

Both sets of percentages trace to roofing-contractor marketing pages summarizing insurance rules, not a direct state Department of Insurance filing, so they should be read as commonly reported ranges rather than confirmed regulatory figures. The mandated-offer requirement itself, that these states legally require an insurer to offer some discount, is the better-corroborated claim of the two.

The Adoption-Rate Question This Page Cannot Answer

Every source located for this page addresses the insurance-discount incentive for choosing Class 4 shingles, not how many roofs actually have them. No dataset measuring what share of US roofs, or new roofing installations specifically, use Class 4 impact-resistant shingles turned up in research for this page. That is a real, acknowledged gap, not a number rounded off or estimated to fill the space.

The Numbers

Texas was the first state, in 1998, to require insurers to offer a discount for impact-resistant roofing; reported discount ranges are commonly cited at 5% to 28% depending on county and insurer, with 20% to 35% off the dwelling-coverage premium portion frequently mentioned.

Ripple Roofing & Construction

Oklahoma also mandates an insurer discount offer for impact-resistant roofing; discounts are commonly cited at 5% to 20%, with 10% to 20% cited as the typical range from the state’s top insurers.

Parker Brothers Roofing

A Class 4 impact-resistant rating requires passing UL 2218 testing: a 2-inch steel ball dropped from 20 feet onto the shingle, with no cracking allowed.

Squaredash, corroborated by multiple industry sources

Sources

The external data in this article draws on the sources below. Figures described in the text as estimates or industry triangulations are directional and are not attributed to a single dataset.

FAQ

What is a Class 4 impact-resistant shingle?

A shingle that has passed UL 2218 testing, in which a 2-inch steel ball is dropped from 20 feet onto the shingle and no cracking is allowed for it to earn the rating.

Which states require an insurance discount for Class 4 shingles?

Texas, since 1998, and Oklahoma both require insurers to offer a discount for impact-resistant roofing, though the laws mandate that a discount be offered rather than setting the exact percentage.

How much can a Class 4 shingle discount actually save a homeowner?

Reported ranges commonly cited run 5% to 28% in Texas and 5% to 20% in Oklahoma, depending on county and insurer, though these figures come from contractor-facing marketing pages rather than a direct state insurance-department filing, so they should be treated as commonly reported ranges, not confirmed regulatory numbers.

Is there data on how many US roofs actually have Class 4 shingles installed?

No. Every source found for this page addresses the insurance-discount incentive for choosing Class 4 shingles, not an actual adoption rate, and no nationwide figure for what share of roofs or new installations use them was located.

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