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Overall, Class 4 rated shingles are superior to typical asphalt shingle roofing products. It can be well worth it to know that your roof will provide extended protection and long-term cost savings.
Rubber-like polymers, such as SBS (styrene-butadiene-styrene), are added to the asphalt composition. The integration of the SBS polymer blend with the asphalt produces a rubberizing effect, creating a shingle that is more flexible and more capable of recovering from hail impact.
An impact-resistant roof is a roof made with materials that are wind and hail resistant and less susceptible to damage. Selecting the right roofing material is important to achieve the best roof performance in high wind and hailstorms.
While highly rated impact resistant roofing products are more costly, they can translate to significant insurance savings. We see insurance premium savings ranging from 3% to 15% from all major insurance companies when new roofing projects are completed with impact resistant roofing.
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. For more perspective, if this same test is repeated on a 4-inch concrete paver, the force of the steel ball would crack the paver in half.
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30 year impact resistant shingles vary in strength from class 1 to class 4. The type of class determines the material and the resistance of the shingle. Generally class 4 is the highest level of protection making the shingle less susceptible to hail damage or damage from other storms or weather debris.
Class 3 shingles can withstand ice balls that are 44 mm or 1.75 inches in diameter. Class 4 shingles can withstand ice balls that are 50.8 mm or 2 inches in diameter.
Impact resistance for roof coverings are rated by Underwriter Laboratories (UL) between Class 1 and 4, with Class 4 being the most durable.
The test is performed by dropping a 2-inch steel ball from 20 feet onto the shingle to see if it will crack. The class 4 rating is given if the shingle does not crack when the 2\u2032 ball is dropped twice onto the same spot from the 20 feet height.
Impact Resistance Shingles are rated Class 1 through 4, with Class 4 shingles having the highest resistance. You will not be able to determine the impact rating of shingles by looking at them, although the impact rating is usually marked on the cellophane on the underside of the shingle.

state farm impact resistant form