--- title: "Are Class 4 Shingles Worth It in Texas? | Different Roofing" description: "Are Class 4 shingles worth it? How impact-resistant shingles hold up to North Texas hail, what they cost, possible insurance discounts and who they suit." url: https://www.differentroofing.com/blogs/are-class-4-shingles-worth-it-in-texas/ language: en source: Different Roofing LLC --- 1. [Home](https://www.differentroofing.com/) 2. / 3. [Blogs](https://www.differentroofing.com/blogs/) 4. / 5. Class 4 Shingles in Texas # Are Class 4 Shingles Worth It in Texas? By Matt Rush · Updated October 26, 2026 If you live in Dallas–Fort Worth, you have probably replaced a roof after a hailstorm, or know someone who has. When it is time for a new roof, the question comes up quickly: should you pay more for Class 4 impact-resistant shingles? For many North Texas homeowners, the answer is yes. Here is why, and when it might not be. ## What "Class 4" Means Class 4 is the highest rating in the UL 2218 impact test. In the test, steel balls of increasing size are dropped on the shingle to simulate hail, up to a 2-inch ball. A shingle that shows no cracks on the top or back after the largest drop earns Class 4. Most standard architectural shingles are not rated for impact at all. Class 4 shingles get their strength in different ways. Some use a rubberized SBS-modified asphalt that flexes instead of cracking. Others use a reinforced mat or a tougher backing. Many look just like standard architectural shingles from the street. ## Why They Make Sense Here - **Hail is routine.** North Texas sees damaging hail most springs. A roof that holds up to a typical storm can save you the hassle of a claim and a replacement. - **Possible insurance discounts.** Many Texas insurers offer a premium discount for impact-resistant roofs. The amount varies by company and policy, so ask your agent before you choose. - **Better wind ratings.** Many Class 4 shingles also carry high wind ratings, which matters in an area that gets strong straight-line winds. - **Peace of mind.** Fewer leaks, fewer inspections, and fewer worries every time the forecast shows a storm. ## What They Cost Class 4 shingles cost more than standard architectural shingles, though the gap has narrowed as more manufacturers make them. On a typical home, the difference is usually a modest share of the total project. When you weigh that against a possible insurance discount and a roof that holds up better to hail, many homeowners find it pays for itself over time. We give you a written quote for both options so you can compare. ## Will a Class 4 Roof Ever Get Damaged? Yes, it can. Class 4 means a shingle is built to resist hail, not that it can never be damaged. Very large hail can still damage any roof, and vents, gutters, and other metal parts dent the same as before. A Class 4 roof still deserves an inspection after a big storm. ## The Paperwork To get an insurance discount, your insurer will usually want proof that an impact-resistant roof was installed. After we install a Class 4 roof, we fill out the Texas Department of Insurance impact-resistant roofing form so you can send it to your agent. ## Our Take If you plan to stay in your home for more than a few years, a Class 4 roof is usually worth considering in North Texas. Learn more about our [Class 4 impact-resistant roofing](https://www.differentroofing.com/services/class-4-impact-resistant-roofing/) and [roof replacement](https://www.differentroofing.com/services/services-roof-replacement-service/). Every roof we install carries a lifetime workmanship warranty, and most are finished in one day. Call [(682) 400-6163](tel:6824006163) to schedule a free roof inspection anywhere in Dallas–Fort Worth. [Call (682) 400-6163](tel:6824006163) ### Our Services - [Roof Replacement & Installation](https://www.differentroofing.com/services/services-roof-replacement-service/) - [Roof Repair](https://www.differentroofing.com/services/services-roof-repair-service/) - [Storm & Hail Damage Repair](https://www.differentroofing.com/services/storm-hail-damage-repair/) - [Emergency Roof Tarping](https://www.differentroofing.com/services/emergency-roof-tarping/) - [Class 4 Impact-Resistant Roofing](https://www.differentroofing.com/services/class-4-impact-resistant-roofing/) - [Roof Inspections](https://www.differentroofing.com/services/services-roof-inspection-service/) - [Insurance Claim Roof Inspection](https://www.differentroofing.com/services/insurance-claim-roof-inspection/) - [Residential Roofing Systems](https://www.differentroofing.com/services/residential-roofing-service/) - [Metal Roofing](https://www.differentroofing.com/services/metal-roofing/) - [Tile Roofing](https://www.differentroofing.com/services/tile-roofing/) - [Foundation Repair](https://www.differentroofing.com/services/foundation-repair/) - [Commercial & Flat Roofing](https://www.differentroofing.com/services/commercial-roofing/) - [Solar Installation](https://www.differentroofing.com/services/solar-installation/) - [Solar Panel Removal & Reinstall](https://www.differentroofing.com/services/solar-panel-removal-and-reinstall/) - [Chimney Repair](https://www.differentroofing.com/services/chimney-repair/) - [Composite Decks](https://www.differentroofing.com/services/composite-decks/) - [Decks](https://www.differentroofing.com/services/decks/) - [Driveway Gates](https://www.differentroofing.com/services/driveway-gates/) - [Fence Installation & Repair](https://www.differentroofing.com/services/fence-installation-repair/) - [General Contracting](https://www.differentroofing.com/services/general-contracting/) - [Gutter Guard Installation](https://www.differentroofing.com/services/gutter-guards/) - [Gutter Installation & Repair](https://www.differentroofing.com/services/gutter-installation-repair/) - [Painting](https://www.differentroofing.com/services/painting/) - [Patio Covers](https://www.differentroofing.com/services/patio-covers/) - [Patio Installation](https://www.differentroofing.com/services/patio-installation/) - [Siding](https://www.differentroofing.com/services/siding/) - [Soffit & Fascia Repair](https://www.differentroofing.com/services/fascia-siding-repair/) - [Window Replacement](https://www.differentroofing.com/services/window-replacement/) ### **Frequently Asked Questions** - Do Class 4 shingles look different? Many Class 4 shingles look just like standard architectural shingles from the street and come in similar colors. - Will my insurance give me a discount for Class 4 shingles? Many Texas insurers offer one, but the amount varies by company and policy. Ask your agent before you choose. - Can Class 4 shingles still be damaged by hail? Yes. They are built to resist hail, but very large hail can still cause damage, so an inspection after a big storm is still a good idea. #### Did Hail Roll Through Your Neighborhood? #### Free Storm Damage Inspections Across DFW Talk To A Specialist Today