Class 4 Impact Resistant Shingles
The Covenant Guard Advantage
Class 4 Impact-Resistant Shingles: The Insurance-Approved Advantage
Insurance companies don’t give discounts lightly.
They reserve them for roofing systems that meaningfully reduce claims — which is why certain specialty roofing materials have long qualified for lower premiums.
Class 4 impact-resistant shingles fall into that same category.
Because they dramatically reduce hail-related damage, many insurance carriers offer premium discounts when a home is roofed with Class 4 shingles. In other words, insurers recognize these shingles as a lower-risk roof, not just a cosmetic upgrade.
That means you can:
- Better protect your home
- Potentially lower your insurance premiums
- Upgrade at no additional cost through Covenant Guard during your roof replacement
What Does “Class 4” Actually Mean?
Class 4 is the highest impact-resistance rating available for a roof.
To earn it, a shingle must pass UL 2218 testing, which simulates severe hail impact. Class 4 shingles are designed to absorb impact instead of cracking, reducing the type of damage that leads to leaks, insurance claims, and premature roof replacements.
Think of it this way:
- Standard shingles can crack when struck by hail
- Class 4 shingles tend to flex and rebound
- Less damage = fewer claims = insurance discounts
That’s why insurers treat them similarly to metal roofs.
Why Insurance Companies Incentivize Class 4 Shingles
From an insurance perspective, hail damage is expensive, repetitive, and often preventable.
Class 4 shingles help solve that problem by:
- Resisting cracking and punctures from hail
- Maintaining shingle integrity after storms
- Reducing hidden damage that leads to future claims
For insurers, that means fewer payouts over time — which is why many carriers reward homeowners who install them. Depending on the carrier, they may discount your policy anywhere from 5% to 20% - or more!
The goal isn’t “hail-proof.”
The goal is claim reduction — and Class 4 roofs deliver.
Real-World Benefits for Homeowners
When you choose a Class 4 impact-resistant roof, you’re not just buying stronger shingles — you’re aligning your home with what insurers prefer to cover.
Benefits include:
- Eligibility for insurance premium discounts (varies by carrier)
- Stronger protection during hailstorms
- Longer roof lifespan
- Less chance of repeat claims
- Greater peace of mind during severe weather season
Atlas & TAMKO: Insurance-Recognized Class 4 Options
Manufacturers like Atlas and TAMKO design their Class 4 shingles using advanced polymer-modified asphalt and reinforced systems that meet UL 2218 Class 4 standards.
These shingles are:
- Impact-rated at the highest level
- Engineered for wind, heat, and cold
- Trusted in hail-prone markets nationwide
They aren’t experimental products — they’re approved, tested, and widely accepted by insurers.
The Covenant Guard Advantage: Complimentary Upgrade to Class 4
Here’s what most homeowners don’t realize:
When a roof is replaced through an insurance claim, Class 4 shingles are often an eligible upgrade — though the additional out-of-pocket cost can be significant compared to standard architectural shingles.
Covenant Guard removes that barrier.
We upgrade our customers to a Class 4 impact-resistant shingle at no additional cost during their roof replacement.
You get a stronger roof — and potentially a lower insurance bill — for the same claim.
Is a Class 4 Roof Right for You?
If you live in a hail-prone area and are already dealing with roof damage, upgrading to Class 4 shingles is one of the few improvements that insurance companies actively encourage.
👉 Schedule a free inspection with Covenant Guard
👉 We’ll confirm damage, review your coverage, and explain whether a Class 4 upgrade makes sense for your home
No pressure. Just clear answers.
