Impact-resistant roofing is one of the most talked-about upgrades for Longmont homeowners. With Colorado ranked among the top hail-prone states in the nation, the question isn’t just whether it’s worth it — it’s whether you can afford not to have it.
What Is Impact-Resistant Roofing?
Impact-resistant (IR) shingles are rated Class 1 through Class 4 based on UL 2218 testing. Class 4 is the highest rating, meaning the shingle can withstand a 2-inch steel ball dropped from 20 feet without cracking. In real-world terms, that translates to excellent performance against Longmont’s frequent hailstorms.
Insurance Savings with Class 4 Roofing in Colorado
Many Colorado insurance companies offer premium discounts of 20–30% for homes with Class 4 impact-resistant roofs. Over time, these savings can offset a significant portion of the upgrade cost.
Our Recommendation for Longmont
We strongly recommend Class 4 impact-resistant shingles for any roof replacement in Longmont, CO. The combination of better storm protection and insurance savings makes it the smart long-term choice.
Get a free impact-resistant roofing estimate at 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
“Impact-resistant roofing in Longmont — Class 4 shingles and metal roofing for Colorado hail country. I’ve been installing them since 2014. Insurance discounts available on most policies.”
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).
