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A well-maintained asphalt shingle roof has a decent life expectancy of 15-30 years. Impact resistant shingles, however, have almost double the life expectancy of traditional shingles. Impact resistant shingles can last for 30-50 years with routine maintenance and repairs.
Are Class 4 shingles worth the extra money?
Due to the fact that Class 4 shingles stand up to hail and other fast-flying projectiles, they are worth the money. Instead of having to replace your roof every time it gets hit by a big hailstorm, your roof will remain undamaged. The longer lifespan and insurance breaks you get also add to the value of the product.
What are the disadvantages of impact resistant shingles?
The biggest downside to installing impact-resistant shingles is price. Class 4 impact-resistant shingles tend to cost 10% to 20% more than standard asphalt shingles. If standard shingles cost $1.00 to $1.50 per square foot for materials alone, impact-resistant shingles will cost $1.10 to $1.80* per square foot.
Are impact resistant shingles worth the extra money?
Not only do they protect your home from major storms, which could otherwise destroy normal shingles and cost you a roof replacement, but they also weather better than regular asphalt shingles. Not having to replace your roof as frequently is both a time and money saver.
Does a metal roof lower your homeowners insurance?
Bear in mind that metal roof insurance may not be lower than other roofing materials. However, companies like Progressive do consider the type of roof material you have and admit that there is often a metal roof insurance discount.
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What is the price difference for Class 4 shingles?
Class 4 shingles cost up to 20 percent more than regular asphalt shingles. Most Class 4 shingles come with a 50-year warranty, while regular shingles usually have a 30-year warranty. This means that the higher-class shingles have a longer lifespan. Insurance companies dont usually cover upgrades to Class 4 shingles.
What is the Class 4 shingles insurance discount in Texas?
However, a Class IV roofing system can typically save you 10-27% of your premium for the year. So, in Texas, the average homeowners insurance premium is about $1945/year thats a savings of $195 $525 a year. You will save money that year after year and your roof will last longer and protect your home better.
What is a Class 4 shingle impact rating?
To receive a Class 4 rating, a roofing shingle must withstand having a 2-inch steel ball dropped multiple times from a height of 20 feet.
Are impact-resistant shingles worth it?
Impact-resistant shingles provide homeowners several long-term cost savings. Impact-resistant shingles stand up to extreme wind events; therefore, homeowners spend less on roof repairs than homes with standard shingles. Some insurers offer discounts for homes with Class 4 impact-resistant shingles.
How much do impact resistant shingles save on insurance?
Homeowners Insurance Discount Home insurance companies such as State Farm offer discounts for homeowners with Class 4 impact-resistant shingles. Insurance premium savings vary by company and location, but some insurers give discounts as high as 33%.
Related links
The Improvident Grant of Certiorari in PICD v. State Farm
by SM Klepper 2014 would constitute a roofing structure with at least three walls. See Homeowners Composite Form: Section IPerils Insured Against, in SUSAN J.
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