Class 4 Impact-Resistant Roof Insurance Discount Checker (Texas)
A Class 4 (UL 2218) impact-resistant roof — the highest rating — qualifies for the highest premium credit, per the Texas Department of Insurance, though the actual discount amount is set company by company. Check your roof's rating below to see where you stand. (A TWIA credit also requires filing form PC068.)
Check your eligibility
Select your roof's impact rating — it's on the shingle's spec sheet or your installation paperwork.
How the impact-resistant discount works in Texas
Impact-resistant roofing products are classified under UL 2218 in classes 1 through 4, and the Texas Department of Insurance says a Class 4 roof covering would receive the highest premium credit — but the amount is set company by company, so there's no single statewide number. For a Texas Windstorm Insurance Association (TWIA) credit, you file form PC068.
The rating itself comes from a lab test: UL 2218 drops steel balls from 1.25 to 2.00 inches in diameter, and a shingle passes only with no tear, fracture, crack, or rupture on its back. For how Class 4 relates to real hail and the trade-off against cost, see theimpact-resistant roof discount guide.
Frequently Asked Questions
- Does a Class 4 impact-resistant roof lower my Texas insurance?
- It can. The Texas Department of Insurance says a Class 4 roof covering — the highest UL 2218 impact rating — would receive the highest premium credit, though the discount amount is set company by company. A Texas Windstorm Insurance Association (TWIA) credit requires filing form PC068.
- What are the UL 2218 impact classes?
- UL 2218 rates asphalt shingle impact resistance with a steel-ball drop test across four classes, using ball diameters from 1.25 to 2.00 inches. Passing requires no tear, fracture, crack, or rupture on the back of the shingle, and Class 4 is the highest rating.
- How do I find out if my roof is Class 4 rated?
- Check the shingle product's spec sheet or evaluation report for a UL 2218 Class 4 rating — your roofer, the manufacturer's product page, or your installation paperwork will list it. If your roof isn't rated, only re-roofing with a Class 4 product would make you eligible for the impact-resistant credit.