If you live in Colorado, you know one thing for sure: hail happens. From spring to late summer, storms roll across the Front Range and mountain towns, dropping golf-ball-sized hailstones that can shred a roof in minutes. It’s no surprise that insurance premiums in our state are higher than in many others. But here’s some good news—upgrading your roof with Class 4 shingles can actually help reduce your insurance costs while giving your home serious storm protection.
Let’s talk about how this works, why insurers love Class 4 shingles, and why Colorado homeowners should pay attention to this upgrade.
What Are Class 4 Shingles and Why Do They Matter in Colorado?
Class 4 shingles are asphalt shingles that have passed the UL 2218 Impact Test, the highest rating for roofing materials when it comes to resisting hail damage. In simple terms, these shingles are designed to take a hit—literally.
During the test, a steel ball is dropped onto the shingles from varying heights to simulate hail impact. Class 4 shingles are the only ones tough enough to withstand these hits without cracking or breaking. That’s why they’re often called “impact-resistant shingles.”
In Colorado, where hailstorms are almost guaranteed every year, choosing shingles that can actually stand up to hail just makes sense. And because insurers know these shingles perform better, they often reward homeowners with lower insurance premiums.
How Class 4 Shingles Can Lower Your Colorado Insurance Premiums
Here’s the part that gets homeowners’ attention: insurance discounts. Many major insurance providers in Colorado offer significant savings if your roof is upgraded to Class 4 shingles. In some cases, that discount can be as much as 20–30% off your premium.
Why? Because when your home is less likely to suffer hail damage, the insurance company is less likely to pay out on a claim. It’s a win-win situation: you save money on premiums, and your insurer reduces risk.
But the benefits go beyond just financial savings:
Fewer repair headaches after storms.
Peace of mind knowing your roof is better protected.
Increased home value if you decide to sell.
When you consider the potential cost of storm damage in Colorado, upgrading your roof becomes less of an expense and more of an investment.
The Real Cost vs. Savings of Impact-Resistant Shingles
One of the biggest questions homeowners ask is: “Are Class 4 shingles worth the cost?”
On average, Class 4 shingles cost a bit more than standard asphalt shingles—sometimes around 10–20% higher. But here’s the thing: the long-term savings often outweigh the upfront cost. Between the insurance discounts and fewer repair bills after storms, most homeowners see the investment pay off in just a few years.
Think about it: replacing a hail-damaged roof can cost anywhere from $10,000 to $30,000 depending on the size of your home. If a slightly bigger investment now saves you from doing that multiple times over the next two decades, it’s a no-brainer.
Insurance Companies That Reward Class 4 Shingles
Most big insurers in Colorado recognize the value of impact-resistant shingles. Companies like State Farm, Allstate, Farmers, and USAA all offer discounts for homes with a Class 4 roof.
That said, every company has different rules and eligibility requirements. Some might require proof of installation, while others may need a certificate from your roofing contractor. Always check with your provider before making the upgrade so you know exactly how much you could save.
Why Roofing Contractors Recommend Class 4 Shingles
If you talk to any Colorado roofing contractor, they’ll likely tell you the same thing: Class 4 shingles are the best defense against our unpredictable weather. In fact, many contractors are installing them as the standard option now because homeowners are demanding more durable materials.
Experienced roofers know that a standard shingle roof in Colorado might last 10–15 years before hail forces a replacement. But with impact-resistant shingles, you can often extend that lifespan significantly. That’s why roofing experts consistently recommend Class 4 shingles—they protect your home and your wallet.
Other Ways to Save on Your Insurance Premiums
While upgrading to Class 4 shingles is one of the smartest moves you can make, there are other strategies to help keep your Colorado insurance premiums under control:
Bundle your home and auto insurance.
Increase your deductible to lower monthly payments.
Install security systems to reduce risk.
Keep your roof and gutters properly maintained.
But at the end of the day, your roof is your first line of defense against Colorado’s wild weather. Investing in it pays off in more ways than one.
Final Thoughts: Is a Class 4 Roof Right for You?
If you’re a Colorado homeowner tired of rising insurance costs and constant hail damage, it may be time to make the switch to impact-resistant Class 4 shingles. Yes, they cost a little more upfront. But the combination of insurance savings, reduced repairs, and peace of mind is hard to beat.
Before you commit, talk to both your insurance provider and a trusted roofing contractor. They can give you a clear picture of the savings available and the best options for your home. And if you’re looking for insider tips on keeping your roof in top shape, don’t miss our related blog: Dillon Roofing Contractors Reveal The Secrets To A Leak-Free Roof.
Call to Action
Ready to see how much you could save with Class 4 shingles? Reach out to a trusted Colorado roofing contractor today for a free estimate and ask your insurance provider about available discounts. Protect your home, save on premiums, and enjoy the peace of mind that comes with a storm-ready roof.