Josh Brooks Construction installs Class 4 impact-resistant shingles throughout Northern Colorado. Free estimates: 720-828-7997.
Short Answer: Yes — For Most Colorado Homeowners
Class 4 shingles cost more upfront. Here’s whether they’re worth it with real numbers from the Colorado market.
The Insurance Premium Math
| Factor | Typical Range |
|---|---|
| Average CO homeowner’s insurance premium | $1,800–$2,500/year |
| Class 4 discount (most major CO insurers) | 20–30% = $360–$750/year savings |
| Cost premium over architectural shingles | $1,500–$3,000 more upfront |
| Payback period (insurance savings alone) | 2–8 years |
What Is a Class 4 Shingle?
Class 4 is the highest UL 2218 impact resistance rating — shingles that passed a steel ball drop test simulating large hailstones without cracking. Standard architectural shingles are typically Class 3 or lower.
Best Class 4 Shingles Josh Brooks Installs
- Owens Corning Duration FLEX — Class 4, SureNail technology, 130 mph wind resistance
- GAF Timberline HDZ RS — Class 4, LayerLock technology, lifetime limited warranty
- IKO Dynasty — Class 4, ArmourZone nailing zone, 130 mph wind rating
- CertainTeed Landmark IR — Class 4, SureStart Plus warranty
Josh Brooks Construction & Renovation
📞 720-828-7997 | Longmont CO 80501 | 🎖️ Veteran & Senior Discounts
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 impact resistant shingles in Colorado are worth it in almost every scenario. The insurance premium discounts offset the upgrade cost within 3–5 years on most policies. I’ve been installing them since 2014.”
Josh Brooks
Licensed General Contractor CON-24-0152 | Northern Colorado Since 2014
