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.
What 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 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 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 Inspection
2167 Frontier St, Longmont 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