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Class 4 Roof Insurance Discount Estimator

Estimate how much a Class 4 impact-resistant roof could save on Texas homeowners insurance — yearly, monthly and over the years you own the home.

Estimated savings
—

per year

Per month
Over your stay (premiums trend +4%/yr)
Out-of-pocket per wind/hail claim

Texas carriers commonly discount impact-resistant (UL 2218 Class 4) roofs by roughly 5%–25%; your carrier sets the actual figure. A roof that avoids a claim also avoids paying that deductible again.

How Class 4 roof discounts work in Texas

Many Texas insurers file premium credits for roofs rated UL 2218 Class 4 — the highest impact-resistance rating. Stone coated steel, Class 4 shingles and some metal roofs qualify. Discounts commonly fall between 5% and 25%, but each carrier sets its own figure, and some apply it only to the wind/hail portion of the premium.

What your carrier will ask for

  • Proof of the product's Class 4 rating (manufacturer documentation)
  • An invoice or certificate showing installation date and product
  • Sometimes photos or an inspection

Stone Coated Roofs provides the product documentation with every install. Learn more about Class 4 insurance discounts and which roof types insurers prefer.

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FAQ

Frequently asked questions

Does a metal roof lower your insurance in Texas?

A metal roof with a UL 2218 Class 4 rating — including stone coated steel — often qualifies for an impact-resistance discount. The amount depends on your carrier.

What is a Class 4 roof certificate?

It's the documentation showing your installed roof carries a Class 4 impact rating — usually the manufacturer's product approval plus the contractor's invoice or certificate of installation.

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