Class 3 and Class 4 are impact-resistance classifications used for roof coverings. Class 4 is the highest UL 2218 classification, but no roof is hail-proof. The right choice depends on the tested product, complete roof system, appearance, budget and what your insurance carrier recognizes.
What does an impact rating mean?
UL 2218 evaluates prepared roof coverings at different impact-energy levels and assigns classifications from Class 1 through Class 4. A higher classification indicates that the tested product met a higher impact-resistance level under that laboratory standard.
The rating applies to a specific tested product. It does not guarantee that a roof will never show damage, leak or need replacement after severe weather.
How do Class 3 and Class 4 differ?
- Class 3 products meet a significant impact-resistance level and may offer a strong balance of performance and price.
- Class 4 products meet the highest UL 2218 classification and may be preferred when maximum tested impact resistance is the priority.
- Actual storm performance also depends on installation, roof-deck condition, flashing, ventilation, underlayment and the severity of the storm.
Could an impact-resistant roof affect insurance premiums?
Some Texas insurers offer credits for qualifying impact-resistant roofing. Eligibility, documentation and savings vary by carrier, policy and roofing system. Ask your insurance agent which classifications and product documents your policy requires before making a final selection.
What should a homeowner compare?
- The exact manufacturer and tested product
- Material and workmanship warranty terms
- Appearance, color and architectural profile
- Installation details and ventilation plan
- Carrier documentation and potential premium treatment
- Total installed cost—not just the shingle price
Authoritative references
REMCO uses outside references for technical context while applying firsthand North Texas construction experience to each guide.
Texas Department of Insurance: impact-resistant roofing credits ↗UL Solutions: residential roofing impact testing ↗General educational information only. Roofing, construction and insurance circumstances vary by property, product, jurisdiction, carrier and policy. Insurance companies determine coverage and premium eligibility.