In a part of Texas where hail comes through most springs, impact-resistant shingles are one of the few upgrades that can pay part of their own way. Texas insurers offer premium discounts for roofs that pass a standard impact test. The discount isn't the same everywhere, and it isn't automatic, so it's worth understanding before you choose a shingle.
What Qualifies
The test is UL 2218. Steel balls are dropped on the roofing material from a set height, and the material is checked for cracks. It's classed from 1 to 4, with Class 4 surviving the largest ball. The Texas Department of Insurance explains that roofing has to pass this test to qualify for a discount, and that the agency doesn't endorse any particular product. The details are on TDI's roofing discounts page.
How the Discount Works
- Ask your insurer first. Find out what discount they offer for each class of roof, and whether it's the same for your policy type.
- Choose a qualifying product. The packaging or product information shows the UL 2218 class.
- Have it installed correctly. The rating only holds if the roof is installed to the manufacturer's instructions.
- Get the installation certified. Your roofer fills in a state form confirming the installation.
- Send the form to your insurer. Then check your next renewal to be sure the discount was applied.
How Big Is the Discount?
It depends on the insurer, the policy and the roof. Some homeowners see a meaningful reduction; others see very little. The only reliable number is the one your own insurer gives you, so get it in writing before deciding. Compare the yearly savings with the extra cost of the shingles over the years you expect to stay in the house.
Things That Affect the Math
- How long you'll stay. Discounts add up year by year.
- Your deductible. Many Texas policies have a separate wind and hail deductible, sometimes a percentage of the home's value. A tougher roof may mean fewer claims against it.
- Cosmetic damage. Some policies limit coverage for dents that don't affect how the roof works. Read how yours treats impact-resistant roofs.
- Resale. Some buyers value a Class 4 roof; others don't notice.
Questions
Do I lose the discount if the roof gets damaged?
Policies differ. If the roof is repaired or replaced with matching qualifying material and certified again, the discount usually continues. Ask your insurer.
Is a Class 3 roof worth anything?
Some insurers give smaller discounts for lower classes. Ask whether yours does.
Do metal roofs qualify?
Some metal roofing products are tested and classed under the same standard. Check the product's information.
Around Conroe
Class 4 upgrades are common after storms in Woodforest, Spring and The Woodlands. The service page is impact-resistant shingle roofs.
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