impact resistant shingles

I try not to bitch too much about the insurance/roofing racket in North Texas so I have been promoting some solutions. One of which is selling impact resistant shingles. The insurance companies are suppose to give up to a 40% discount. Since the average homeowner pays about $1500/year on their policy, that means they save about $600.

Well, last year I replaced a Timberline (heavy-4 bdls/sq) roof with Malarkey Legacy. (btw, I had installed the Timberlines back in '92 and they were still good. A major hail storm hit the area and everyone got new roofs.) I told the homeowner to be sure and get their discount. They said their insurance agent said that if they took the discount and they got another hail storm, insurance would only pay if the hail caused the roof to leak. The homeowners buckled and kept full coverage. :S

twill59 Said: : Solutions are not wanted

The irony is only a roofer with hands on experience is expert enough to know. Few of those exist.