Class 4 Shingles Insurance Discount by Carrier 2026

A class 4 shingles insurance discount is a premium credit insurers give for a roof rated Class 4 under UL 2218, the toughest impact tier. It usually applies only to the wind-and-hail or dwelling portion of your policy, not the whole bill. The Texas Department of Insurance is blunt about the size: the credit is "established by the insurance company on a company-by-company basis," and a Class 4 roof "would receive the highest premium credit" (TDI, retrieved July 2026).

Because each carrier files its own number, the credit swings widely by state and by how much hail costs insurers there. RoofVista's March 2026 guide reports these typical dwelling-coverage credits:

Outside the hail belt the credit shrinks or disappears, so a coastal or Northeastern homeowner may see little. Get the exact figure from your carrier in writing before you pay for the upgrade, because it drives the entire payoff.

Every major home insurer files its own Class 4 credit, so the same roof can earn a very different amount depending on whose policy you hold. RoofVista's 2026 guide notes that State Farm, Allstate, Farmers, USAA, Liberty Mutual, and Amica all offer some level of impact-resistant credit, but none publishes a single national rate.

USAA's own 2026 breakdown puts the Class 4 asphalt credit near 10 to 20 percent but calls the figure "indicative," because it is finalized during underwriting (Collingwood Roof Repair, 2026). The practical takeaway: the 10-to-30 percent band is real, yet only your carrier's state filing tells you where you actually land.

The credit does not apply itself. Your roofer has to certify the installation on a signed form, and carriers generally will not backdate the discount for months you were eligible but silent. In Texas the standard document is TDI Form PC068, the "Impact-Resistant Roofing Installation Form," which the contractor completes and routes to your agent and insurer (TDI, retrieved July 2026).

The affidavit attests to the specifics an underwriter checks: the manufacturer and product name, its UL 2218 Class 4 rating, and the installation date. Big carriers use their own versions of the same form. State Farm requires a signed "Roofing Installation Information and Certification," and USAA has a dedicated Impact-Resistant Roof Discount form.

Pair the affidavit with two documents underwriters almost always ask for:

• A detailed invoice naming the exact shingle brand, product line, and Class 4 rating.
• The manufacturer's product data sheet or certification showing the UL 2218 result.

Keep copies of everything. You will need the same paperwork later to prove the roof's grade on a hail damage roof claim.

Many carriers hand you the credit with one hand and take back coverage with the other. In exchange for the Class 4 discount, they attach a cosmetic-damage exclusion: the policy will not pay for hail damage that only affects appearance and does not compromise the roof's ability to keep water out (LegalClarity, 2026). Dented panels, scuffed granules, and minor pitting fall outside coverage.

In Texas this trade-off has a form number. Endorsement HO-145, formally the "Exclusion of Cosmetic Damage to Roof Coverings Caused by Hail," was adopted under Commissioner of Insurance Order No. 98-0390; if hail dents your Class 4 shingles but does not crack them, the carrier pays nothing for the dents (The Agent's Office, April 2026).

Functional damage is still covered. If hail cracks the mat and opens a water path, the loss proceeds as a normal roof insurance claim. The waiver is not universal, though, so an independent agent can often find a carrier that grants the discount without it, or help you weigh the savings against the coverage you give up.

To earn any class 4 shingles insurance discount, the product must carry a UL 2218 Class 4 label; a lower class rarely qualifies. But the label and real-world hail performance are not the same thing. In its November 19, 2025 ratings, the Insurance Institute for Business & Home Safety tested 24 impact-resistant shingles and found most rated only Good, none rated Excellent, and some Class 4 products landed in Marginal or Poor (IBHS, 2025).

That gap matters twice over. A weaker Class 4 shingle still unlocks the premium credit, but it may not spare you a claim in severe hail, which is the other half of the payoff. Choosing a product that rates well on realistic hail testing, and still carries the Class 4 stamp insurers require, gets you both the discount and the protection.

For how the UL 2218 classes are tested and which products actually hold up in the field, see our full guide to impact resistant shingles.

Payoff comes down to the upfront premium versus the annual credit. FoxHaven Roofing's 2026 cost guide estimates Class 4 shingles add roughly $1,500 to $3,000 on a typical 2,000-square-foot roof over standard architectural shingles. In a severe-hail state where the class 4 shingles insurance discount reaches 20 to 35 percent of the wind-and-hail premium, that gap can close in a handful of years.

Two factors sweeten the math. Wind-and-hail losses often carry a separate percentage-based deductible, so dodging a single claim can be worth thousands, and Class 4 roofs tend to last longer than standard asphalt. Run your own numbers with the roof cost calculator, then weigh the upgrade against a full roof replacement cost estimate before you sign.