Northern Colorado — Class 4 Roofing Specialists
Class 4 Impact-Resistant Roofing Upgrades
in Northern Colorado
Class 4 shingles are the highest hail-impact rating available. Installing them on your Longmont or Northern Colorado home can lower your insurance premium by $300–$800/year while providing the strongest protection against future hail damage. Here’s everything you need to know.
Free Class 4 InspectionGet Free EstimateWhat Is Class 4 Impact Rating?
The UL 2218 impact resistance standard tests roofing materials by dropping steel balls of defined sizes onto them from a set height. Class 4 — the highest rating — requires a material to withstand a 2″ steel ball (equivalent to golf-ball-sized hail) dropped from 20 feet without cracking. This is the industry gold standard and the rating that triggers insurance discounts in most Colorado policies. Classes 1–3 use progressively smaller test balls and offer no insurance benefit in most plans.
The Insurance Math for Colorado Homeowners
Most major Colorado insurers (State Farm, Farmers, Allstate, USAA, Chubb) offer premium discounts of 20–30% for homes with Class 4 impact-rated roofing materials. On a typical Longmont home paying $2,000–$3,000/year in homeowner’s insurance, that’s $400–$900 in annual savings. Over a 30-year roof lifespan, the total insurance savings often exceed $12,000–$27,000 — well above the typical cost premium for Class 4 shingles over standard architectural shingles ($500–$1,500 difference on most homes).
✓ Action Required Before Installation
Contact your insurance company BEFORE we install your new roof to confirm the discount amount and document it in writing. Some insurers require the discount to be applied at policy renewal. Josh Brooks Construction and Renovation Inc. provides a certificate of installation with UL 2218 Class 4 documentation for your insurer.
Class 4 Shingle Options We Install
GAF Timberline HDZ
Industry-leading architectural shingle with UL 2218 Class 4 rating. Available in 30+ colors. ENERGY STAR rated. Algae-resistant. 130 mph wind warranty. One of the most widely available Class 4 options in Colorado.
Owens Corning Duration Storm
SureNail Technology with Class 4 rating. Excellent granule adhesion — critical in Colorado’s freeze-thaw cycles. OC Platinum Preferred contractor network eligible.
CertainTeed Landmark IR
Shadow Accent aesthetic with Class 4 rating. Excellent match for existing Landmark profiles. Compatible with SureStart PLUS warranty program for certified installers.
Is Your Existing Roof Class 4?
Many homeowners assume their newer roof is Class 4 — it often isn’t. Standard architectural shingles installed through the mid-2010s are typically Class 2–3. If your roof was replaced after a hail claim without specifying Class 4, you likely missed the upgrade opportunity and are currently paying full insurance premiums. Josh Brooks Construction and Renovation Inc. can inspect your existing roof, confirm its impact class, and provide a cost comparison for an upgrade during your next replacement cycle.
Upgrade to Class 4 — Start Saving on Insurance This Year
We inspect your current roof, document its impact rating, and provide a Class 4 upgrade proposal with projected insurance savings. No obligation — we do this because informed homeowners make better decisions.
Call 720-828-7997Free Class 4 InspectionLongmont CO 80501 | Boulder County License CON-24-0152 | $1M/$2M GL Insured | Senior & Veteran Discounts
Sources & Further Reading
● National Association of Home Builders — Remodeling Market Data
● Colorado DORA — Verify Contractor License
● OSHA Construction Safety Standards
BY THE NUMBERS
Why Colorado Homeowners Act Fast After a Storm
“I’ve been working roofs in Northern Colorado since 2014. I’ve seen hail take a perfectly maintained 20-year-old roof from functional to failing in a single afternoon — and most homeowners don’t even know until their ceiling starts dripping two months later. Get it inspected before the insurance window closes.”
— Josh Brooks, Licensed General Contractor & Roofer — License CON-24-0152
Data You Can Trust
Class 4 Impact Resistant Roofing: What Colorado Homeowners Need to Know
38
billion-dollar hailstorms in Colorado 1980–2024
NOAA
$1.9B
damage from May 2024 Front Range hailstorm
NOAA
96%
ROI on a minor kitchen remodel at resale
2025 Cost vs. Value Report
86%
of basement finishing costs recovered at resale
NAR / NARI Report
“Class 4 shingles are the single best investment a Colorado homeowner can make after a hail event. I’ve installed them across the Front Range since 2014 and the insurance discounts alone often offset the upgrade cost.”
Josh Brooks
Licensed General Contractor CON-24-0152 | Northern Colorado Since 2014
