Living in Pennsylvania means dealing with unpredictable weather, from summer hail to winter storms. When planning a roof replacement, selecting the right materials is critical for long-term protection. Impact-resistant shingles are designed to withstand these harsh elements, but not all ratings are created equal. Understanding the difference between Class 3 and Class 4 can save you money. Contact Olson Construction to learn more!
Class 3 vs. Class 4 Impact Shingles: Which Do Insurance Companies Prefer?
Understanding Impact Resistance Ratings
The roofing industry uses the UL 2218 test to grade impact resistance. During this test, steel balls are dropped onto shingles from varying heights to simulate hail. To earn a Class 3 rating, a shingle must withstand a 1.75-inch steel ball. To achieve Class 4, it must survive a 2-inch ball without cracking, proving superior resilience.
The Durability of Class 4 Shingles
Class 4 shingles are the gold standard for durability. Often made with polymer-modified asphalt, they offer a rubber-like flexibility that absorbs shock rather than cracking. As a roof replacement contractor, we highly recommend these for homeowners who want to minimize future storm damage. They are specifically engineered to handle the severe impact of heavy hail.
Insurance Company Preferences
Insurance companies overwhelmingly prefer Class 4 shingles because they significantly reduce the risk of damage claims. While Class 3 offers better protection than standard shingles, it rarely triggers the deep premium discounts associated with Class 4. Many insurers only offer these substantial savings—sometimes up to 25%—to homeowners who install Class 4 rated roofing systems.
Cost vs. Long-Term Value
While a Class 4 Pennsylvania roof replacement comes with a higher upfront cost, the investment pays off over time. You benefit from extended roof longevity, fewer repairs after storms, and potential insurance reductions. Lower-rated shingles may be cheaper initially, but they often lack the resilience needed to withstand repeated impact, leading to earlier replacement needs.
Choosing the right impact-resistant shingle protects your home and your wallet. At Olson Construction, we help you navigate these options to find the perfect solution for your specific needs. If you are ready to upgrade your home's defense against the elements, contact us today for a professional consultation and estimate.