The power of an impact rating

By Lori Jerome, PABCO Roofing Products. 

Learn how to help homeowners stay safe no matter the weather with impact-rated asphalt shingles. 

Most homeowners will only have to undergo a reroofing project once or twice in their lives. Subsequently, they are often unfamiliar with the roofing products and options on the market. As their contractor, it’s up to you to help them make confident, informed decisions about their roof. The best way to do this is to help them understand the options available.  

A great example of this is impact-rated asphalt shingles. In the industry, we know that, while a larger up-front investment, these are invaluable when it comes to roof resilience. Further, it can even help your clients with the insurance claims process if there is damage due to storms. However, many homeowners might not even know this exists! In this article, the experts here at PABCO Roofing Products dive into how to talk to a homeowner about impact-rated shingles.  

The basics a homeowner needs to know 

Impact-rated shingles are tested under the UL 2218 standard using steel balls dropped from specific heights to simulate hail. The higher the class, the more impact a shingle can withstand: 

• Class 4 shingles: A 2-inch steel ball is dropped from 20 feet 
• Class 3 shingles: A 1.75-inch ball is dropped from 20 feet 

To pass, shingles must show no visible cracking or damage where the steel ball hits. Class 4 is the highest possible rating and often required by insurance companies to qualify for impact-resistance discounts. 

It’s worth reminding customers that impact-resistant does not mean hail-proof. These shingles are more durable, but not indestructible, especially when storms bring unusually large hail or accompanying wind damage. 

How impact ratings and insurance interact 

Many insurance companies recognize the added protection impact-resistant shingles provide, especially those rated Class 4, and may offer reduced premiums for homeowners who install them. In some cases, these discounts can be significant, with Class 4 shingles potentially qualifying for up to 30% savings, depending on the provider and policy. 

Class 3 shingles may also qualify for insurance benefits in certain areas, though the savings are generally less substantial. It’s important to encourage homeowners to contact their insurance provider directly to understand what is available to them, as discounts and eligibility vary widely by region and carrier.  

The difference between a Class 3 and a Class 4 shingle 

If you’re working in areas prone to hail or heavy storms, offering a Class 4 shingle can be a clear win. But even outside traditional storm zones, there’s still value in durability and potential long-term savings. 

Here’s how to position the difference: 

• Class 3: Great for regions with mild to moderate storm activity. Lower cost, some insurance savings and a step above standard shingles. 
• Class 4: Best for high-risk regions or homeowners prioritizing long-term durability. Offers the best shot at insurance discounts and storm protection. 

PABCO Roofing Products offers both Class 3 and Class 4-rated options, giving you flexibility to match performance needs with budget and regional demands. 

PABCO Prestige®: Built for demanding environments 

For homeowners looking for top-tier impact protection, PABCO Prestige is a heavyweight laminated shingle that meets the UL 2218 Class 4 impact rating, making it an ideal choice for hail-prone regions and harsh environments. With a strong architectural profile, multiple color options and a Limited Lifetime Warranty, Prestige is a great choice for custom homes and steep-slope applications. It also meets the UL790 Class A Fire Resistance standard and is available with Algae Defender® to help maintain curb appeal in wet or humid climates. 

PABCO Premier®: A reliable, budget-conscious option 

For projects where cost is a consideration but durability is still a priority, PABCO Premier delivers dependable protection with a Class 3 impact rating under UL 2218. This laminated shingle is suitable for both new builds and reroofs, offering trusted performance for everything from first homes to dream homes. Like Prestige, Premier also meets the UL790 Class A Fire Resistance standard, comes with a Limited Lifetime Warranty and features Algae Defender technology for added resistance to color streaking from algae growth. 

How you can use impact ratings to help your customers 

Many homeowners aren’t familiar with impact resistance ratings or what they mean. That’s where you can step in, not just to recommend a product, but to help them navigate: 

• Insurance claims: Help document storm damage and recommend whether to upgrade to Class 4 during a replacement. 
• Local building codes: Some areas now require Class 4-rated shingles even if they aren’t in traditional hail zones. 
• Cost versus value decisions: Help homeowners do the math on upfront costs versus potential long-term savings, especially if they plan to stay in the home long-term. 

By guiding your customers to ask the right questions, you further position yourself as a trustworthy, value-driven partner. 

Conclusion 

Choosing the right asphalt shingles isn’t just about weather protection; it’s about long-term value, peace of mind and smart investments. As a contractor, you’re in a unique position to educate homeowners about impact-resistant shingles, support them during insurance conversations and recommend solutions that fit their climate, budget and goals. 

Whether your customers are upgrading after a storm or planning ahead, offering knowledge about Class 3 and Class 4 impact-rated shingles can turn a roofing project into an opportunity to build lasting trust. 

By staying informed and advocating for resilient, high-performing roofing products, you help protect more than just houses. You protect the people living under them. 

Original article and photo source: PABCO Roofing Products