Planning roofing work for your Blanchard home? Compare impact-resistant shingles as part of the inspected roof scope, then start an instant online roof estimate to evaluate a replacement budget. Impact resistance does not make a roof hail-proof, and an online estimate does not diagnose roof condition. Request a free roof inspection for condition findings and a written scope.
Class 4 Impact-Resistant Shingles in Blanchard, Oklahoma: Can They Save You Money on Homeowners Insurance?
If you own a home in Blanchard, Oklahoma, you already know that your roof has to deal with more than sunshine and rain. Hail, high winds, severe thunderstorms, heat, and sudden Oklahoma weather changes can put a roof through a lot over the years.
That is one reason more Blanchard homeowners are asking us about Class 4 impact-resistant shingles.
At Top View Roofing, we believe homeowners should understand all of their roofing options before choosing a new roof. If you are already replacing your roof, upgrading to a Class 4 impact-resistant shingle may give you better protection against hail while potentially helping lower your homeowners insurance premium.
What Is a Class 4 Impact-Resistant Shingle?
Class 4 is the highest impact rating under the UL 2218 testing standard commonly used for asphalt roofing shingles.
These shingles are manufactured and tested to withstand greater impact than a traditional roofing shingle. That can be especially important in areas like Blanchard and central Oklahoma, where hailstorms are simply part of living here.
A Class 4 rating does not mean a roof is hail-proof. No roofing product can honestly make that promise. What it does mean is that the shingle has been tested to a higher level of impact resistance.
For an Oklahoma homeowner, that added protection can make a lot of sense.
Can Class 4 Shingles Lower Your Insurance Premium?
Possibly.
Many insurance companies recognize qualifying impact-resistant roofing materials, and some offer homeowners premium discounts for installing them. The amount of the discount, the qualifying products, and the requirements vary from one insurance company to another.
Malarkey notes that highly rated impact-resistant shingles often qualify for insurance discounts and recommends checking directly with your insurance agent.
That is why we always recommend that Blanchard homeowners call their insurance agent before selecting the final roofing product.
Ask your agent a very simple question:
“If I install a UL 2218 Class 4 impact-resistant roof, does my policy qualify for a discount?”
You may be surprised by the answer.
Even if the discount is modest, remember that you are looking at the savings over several years. A roofing decision should not be based only on what the material costs today. You should consider the long-term cost of owning and maintaining the home.
Better Protection Can Mean More Than Insurance Savings
Insurance savings are only one reason to consider upgrading your roof.
A quality impact-resistant shingle can also provide another layer of protection when the next Oklahoma hailstorm comes through Blanchard.
Anyone who has lived here long enough understands the cycle. A storm comes through, hail starts falling, neighborhoods fill up with roofing
