Impact-Resistant Shingles
Impact-resistant shingles Springfield homeowners choose most often carry a Class 4 rating, the highest available for hail under UL 2218 testing. Brazen Roofing installs them across Springfield and southwest Missouri. Many Missouri insurers offer a premium discount for homes that have them.
What the Ratings Actually Mean
UL 2218 tests shingles by dropping steel balls of increasing size and checking the back of the mat for cracking. Class 4 sits at the top of the scale.
| Rating | Steel ball diameter | Roughly equivalent to |
|---|---|---|
| Class 1 | 1.25″ | Small hail |
| Class 2 | 1.50″ | Quarter to half-dollar hail |
| Class 3 | 1.75″ | Golf ball hail |
| Class 4 | 2.00″ | Golf ball to tennis ball hail |
Worth being direct about this: no asphalt shingle made today is rated for the largest hail this region can produce. Class 4 changes everything below that extreme, though, and that’s the far more common one- to two-inch hail southwest Missouri sees most years. That size routinely destroys standard shingles. Over a roof’s lifetime, that’s where the value is.
Insurance Discounts in Missouri
Most major carriers writing policies in Missouri offer some form of premium credit for an impact-resistant roof. The size of the discount varies significantly by carrier. It usually requires documentation of the product installed, too.
One important difference from neighboring states: Oklahoma and Texas require insurers to offer a discount for impact-resistant roofs, but Missouri does not. Here, it’s up to the carrier’s discretion, so don’t assume. Call your agent and ask directly whether your policy includes a Class 4 credit. We provide the product certification either way.
What It Costs
Class 4 shingles generally cost somewhat more per square than standard architectural shingles. The exact figure depends on the product line and your roof’s complexity. If your insurance claim already covers your roof replacement, upgrading to Class 4 is often a straightforward out-of-pocket step up rather than a full price difference. In fact, the premium discount can offset part of it over time.
We quote both options side by side so you can see the real numbers rather than a sales pitch.
What We Install
We’re GAF Certified, which gives our installations access to stronger warranty coverage than a standard install. We’ll walk you through the impact-resistant shingles Springfield homeowners are choosing most. That choice comes down to your home, your budget, and what your carrier will credit.
Thinking about a Class 4 upgrade before the next storm season? Contact Brazen Roofing for a free inspection and quote. Related: Hail & Wind Damage Repair · Roof Insurance Claim Help · Service Area.