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 | 2167 Frontier St, Longmont CO 80501 | 🎖️ Veteran & Senior Discounts