Colorado homeowners pay some of the highest insurance premiums in the country — primarily because of hail. Upgrading to a Class 4 impact-resistant roof is one of the most powerful ways Longmont homeowners can lower their annual insurance costs significantly.
How Much Can You Save with a Class 4 Roof in Colorado?
Many Colorado insurance carriers offer premium discounts of 20–30% for homes with documented Class 4 impact-resistant roofing. On an average Colorado homeowner’s policy, that can mean savings of $400–$1,500+ per year — quickly offsetting the modest upgrade cost from standard to Class 4 shingles.
How to Get Your Insurance Discount After Roof Installation
- Request a Certificate of Installation from Josh Brooks Construction and Renovation Inc. showing Class 4 material installed
- Submit certificate to your insurance company
- Request the hail-resistant roof discount application
- Your discount typically applies at next policy renewal
Not All Class 4 Shingles Qualify
The shingle must carry a UL 2218 Class 4 rating. We provide full material documentation with every installation to ensure your discount application is accepted without issue.
Save on insurance with a Class 4 roof from Josh Brooks Construction and Renovation Inc.
Data You Can Trust
Colorado Homeowners: The Numbers Behind Your Biggest Investment
$1.9B
Front Range hail damage May 2024
NOAA
3×
more likely to claim with roof 20+ yrs old
Insurance Data
96%
ROI on minor kitchen remodel
2025 Cost vs. Value
86%
basement finishing costs recovered
NAR / NARI
“Class 4 roof insurance savings in Longmont — most Colorado insurers offer 20–30% premium discounts for Class 4 shingles. I’ve been helping homeowners capture these savings since 2014.”
Josh Brooks
Licensed General Contractor CON-24-0152 | Northern Colorado Since 2014
Colorado Class 4 shingle insurance discount: what the law says
- Colorado law (CRS 10-4-110.8) requires insurers to factor impact-resistant roofing into their premium rates — the legal basis for the Class 4 discount.
- In June 2026, SB26-155 created the Strengthen Colorado Homes Enterprise; starting 2027, insurers must prove resilient-roof savings actually reach homeowners.
- Carrier discounts typically run 15–35% (about 28% on average), applied to the dwelling or the wind/hail portion of the premium.
- Class 4 is the top rating under UL 2218: a 2-inch steel ball dropped 20 ft must not crack the shingle.
- The upgrade typically pays for itself in roughly 3–7 years through premium savings.
Sources: Colorado Revised Statutes 10-4-110.8; Colorado SB26-155 (2026); UL 2218 standard; Colorado Division of Insurance / RMIIA (2026).
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