Do Class 4 Impact-Resistant Shingles Lower Oklahoma Insurance?
Yes — many Oklahoma insurers offer a premium discount for Class 4 (UL 2218) impact-resistant shingles, because they withstand hail far better than standard shingles. In a hail-prone state, the discount plus the added durability often makes them well worth the upgrade.
What 'Class 4' means
Class 4 is the highest impact rating in the UL 2218 standard — the shingle survives a steel-ball drop test simulating large hail without cracking. These shingles use a tougher mat and modified asphalt to resist bruising and granule loss.
How to get the discount
- Confirm your carrier offers an impact-resistant roofing discount (most major Oklahoma insurers do)
- Install a Class 4 product and keep the manufacturer certification documentation
- Provide the certificate to your insurer to apply the credit
Frequently asked questions
Are impact-resistant shingles worth it in Oklahoma?
For most Oklahoma homeowners, yes. They resist hail damage, can extend roof life, and frequently qualify for a homeowners-insurance premium discount that offsets the higher upfront cost over time.