Who impact resistant shingles are for
Impact resistant shingles are for homeowners who expect hail and plan to stay a while. In Dallas-Fort Worth, that is a lot of people.
Hail here follows a season. National Weather Service reports for five DFW counties show a clear pattern. From 2015 through September 2026, 88.6% of hail reports of 1 inch or larger fell in March through June.
A Class 4 roof is worth a look in three common cases:
- You need a new roof anyway. The upgrade is priced as a difference, not as a second roof.
- You are paying for much of the roof yourself. Many North Texas policies now carry a 2% wind and hail deductible, according to United Policyholders.
- You want to ask your insurer about a premium discount. A Class 4 roof can lower your homeowners insurance. Each insurer decides.
If your current roof is in good shape, you may not need anything. A free photo inspection answers that question first.
What Class 4 means
Roofing is rated Class 1 to 4 for impact resistance. The rating comes from a test standard called UL 2218. Class 4 is the highest rating.
People use several names for the same product. You may see "class 4 shingles", "class 4 impact resistant shingles" or "impact resistant roof". They all point to shingles that carry the Class 4 rating under UL 2218.
The rating belongs to the shingle product. Before you sign, ask any roofer to show the Class 4 rating in writing. On our quotes, the Class 4 shingle is its own line.
How a Class 4 roof goes on, step by step
The install follows the same steps as any roof replacement we do. The differences are the shingle line on your quote and the form at the end.
- Free photo inspection. We photograph every slope, plus flashing, vents, pipe boots, ridge caps and any soft decking. You keep the report.
- A quote that leads with Class 4. Your written, line-item quote shows the Class 4 price first. The standard architectural price sits beside it.
- You call your insurance agent. Ask what discount applies to a Class 4 roof on your policy. Ask whether any conditions come with it.
- You choose. Your quote is price-locked for 30 days from the date on it, so you have time to get that answer.
- Permit check. We pull the roofing permit wherever your city requires one.
- Install with stage photos. You get dated photos of tear-off, decking, underlayment, flashing and final cleanup.
- We complete Form PC068. This is the Texas Department of Insurance impact-resistant roofing installation form. We fill it out after your install.
- You send the form to your insurer. Your insurer then applies its own rules.
No payment is due until materials are delivered and work begins.
Materials and options
You have two shingle options on every replacement quote. Seeing both on one page makes the choice easier.
Option 1: Class 4 impact-resistant shingles
This is the option we lead with. The published DFW range for a Class 4 shingle roof is in the price table on this page. So is the typical added cost over standard architectural shingles.
The upgrade figure is based on a 2,000 sq ft roof. Your roof may be larger or smaller. Your written quote shows your own number.
Option 2: Standard architectural shingles
Architectural shingles cost less up front. They are the standard choice for a roof replacement in this area. We price them on every quote, so the comparison is honest.
The same extras apply to both
A second shingle layer, rotted decking and a steep pitch change the price of either option. A steep pitch means 8/12 or steeper. Our roof replacement cost guide explains each one and includes a calculator.
The proof you get
You should not have to take a roofer's word that Class 4 shingles went on your home. Your quote names the product line. Your install photos show the work at each stage.
- Photo inspection reportEvery inspection ends with a photo report you keep. Good and bad.
- Written line-item quotesEvery material and labor line in writing. No lump sums.
- Install photosDated photos of tear-off, decking, underlayment, flashing and cleanup.
- Local and owner-ledVictor owns the company and answers for every job.
- General liability insuranceCertificate on request.
See a sample inspection report and a sample line-item quote.
Will a Class 4 roof lower my insurance?
It can. Each insurer sets its own discount and paperwork. That is why we publish no discount percentage on this site.
The Texas Department of Insurance says Class 4 earns the highest premium credit among the four classes. TDI also provides the form that documents the install. That form is PC068, and the contractor completes it.
Here is how to get a real answer for your home:
- Call your agent before you choose a shingle.
- Ask what discount your insurer gives for a Class 4 roof.
- Ask whether any conditions come with the discount.
- Ask what paperwork your insurer needs besides Form PC068.
- Get the answer in writing if you can.
Then compare that answer with the upgrade line on your quote. You can weigh the added cost against the savings your agent quoted. The decision is yours, and we do not push it.
Does Class 4 change an insurance claim?
No. The roles stay the same with any shingle. You file the claim. Your insurer decides coverage and the amount. We build the roof.
Insurance-funded work follows your insurer's approved scope. If you want Class 4 shingles and the approved scope lists a standard shingle, ask us for a written line-item price. Our insurance claims page explains how the process works in Texas.
Had a recent storm? Start with our hail and storm damage page. We inspect and document storm damage with photos and measurements.
What comes with the roof
Every full replacement comes with a written workmanship warranty. The shingle manufacturer adds its own product warranty. The terms are on our reviews and warranty page.
You also keep the full paper trail:
- The photo inspection report
- The written, line-item quote
- Dated install photos from tear-off to cleanup
- The completed Form PC068
Keep these with your home records. They are useful when you talk to your insurer.
Common questions before you decide
Is Class 4 a brand? No. It is a rating under the UL 2218 test. Roofing is rated Class 1 to 4, and Class 4 is the highest.
Do I have to pick Class 4? No. We lead with it because of local hail. The standard architectural price is on the same quote.
Who fills out the form? We do. We complete TDI Form PC068 after your install, and you send it to your insurer.
Who sets the discount? Your insurer. Each one sets its own discount and its own conditions.
More answers are on our FAQ page.
Your next step
Find out what your roof needs before you choose a shingle. Book a free photo inspection. You can also read about our roof inspection and view a sample quote first.
What it costs
Class 4 impact-resistant shingle roof
$11,000 to $26,000
Most 2,000 to 3,000 sq ft homes
| Item | Published range | Good to know |
|---|---|---|
| Class 4 impact-resistant shingle roof | $550 to $850 per square | Most 2,000 to 3,000 sq ft homes: $11,000 to $26,000. A square is 100 sq ft of roof. Tear-off of one layer is included. |
| Class 4 upgrade over architectural shingles | Typically $1,500 to $4,000 more on a 2,000 sq ft roof |
Prices as of November 2026. These are ranges, not a quote. Ranges are for self-pay projects. Your written, itemized quote after inspection is the only binding price. Insurance-funded work follows your insurer's approved scope and your deductible.
Texas does not tax labor on residential roof and fence work. On our standard lump-sum residential contracts the price you see is the price you pay; we pay sales tax on materials. Commercial repair and re-roof projects and holiday lighting packages are subject to Texas sales tax, which is shown on your quote.