Talking impact-resistant shingles with homeowners

Help homeowners make confident, informed decisions on their impact-rated asphalt shingles. 

When severe weather rolls in, your homeowners want peace of mind, and it’s likely they’ll be turning to you to help them get it. Impact-rated asphalt shingles are not only a smart investment, but they’re becoming essential for roof resilience. As a contractor, you also have the opportunity to be a trusted advocate during the insurance claims process and a source of clarity in a sometimes-confusing conversation. 

Whether you’re working in Hail Alley or helping a customer prepare for increasingly severe weather events, understanding how to explain impact resistance and navigate insurance discussions is key. 

Understanding the class system: What homeowners need to know 

Impact-rated shingles are tested under the UL 2218 standard using steel balls dropped from specific heights to simulate hail. The higher the class, the more impact a shingle can withstand: 

• Class 4 shingles: A 2-inch steel ball is dropped from 20 feet 

• Class 3 shingles: A 1.75-inch ball is dropped from 20 feet 

To pass, shingles must show no visible cracking or damage where the steel ball hits. Class 4 is the highest possible rating and often required by insurance companies to qualify for impact-resistance discounts. 

It’s worth reminding customers that impact-resistant does not mean hail-proof. These shingles are more durable, but not indestructible, especially when storms bring unusually large hail or accompanying wind damage. 

Understanding insurance: Class matters 

Many insurance companies recognize the added protection impact-resistant shingles provide, especially those rated Class 4, and may offer reduced premiums for homeowners who install them. In some cases, these discounts can be significant, with Class 4 shingles potentially qualifying for up to 30% savings, depending on the provider and policy. 

Class 3 shingles may also qualify for insurance benefits in certain areas, though the savings are generally less substantial. It’s important to encourage homeowners to contact their insurance provider directly to understand what is available to them, as discounts and eligibility vary widely by region and carrier.  

Selling the difference between Class 3 and Class 4 

If you’re working in areas prone to hail or heavy storms, offering a Class 4 shingle can be a clear win. But even outside traditional storm zones, there’s still value in durability and potential long-term savings. 

Here’s how to position the difference: 

• Class 3: Great for regions with mild to moderate storm activity. Lower cost, some insurance savings, and a step above standard shingles. 

• Class 4: Best for high-risk regions or homeowners prioritizing long-term durability. Offers the best shot at insurance discounts and storm protection. 

PABCO Roofing Products offers both Class 3 and Class 4-rated options, giving you flexibility to match performance needs with budget and regional demands. 

PABCO Prestige®: Built for demanding environments 

For homeowners looking for top-tier impact protection, PABCO Prestige is a heavyweight laminated shingle that meets the UL 2218 Class 4 impact rating, making it an ideal choice for hail-prone regions and harsh environments. With a strong architectural profile, multiple color options and a Limited Lifetime Warranty, Prestige is a great choice for custom homes and steep-slope applications. It also meets the UL790 Class A Fire Resistance standard and is available with Algae Defender® to help maintain curb appeal in wet or humid climates. 

PABCO Premier®: A reliable, budget-conscious option 

For projects where cost is a consideration but durability is still a priority, PABCO Premier delivers dependable protection with a Class 3 impact rating under UL 2218. This laminated shingle is suitable for both new builds and reroofs, offering trusted performance for everything from first homes to dream homes. Like Prestige, Premier also meets the UL790 Class A Fire Resistance standard, comes with a Limited Lifetime Warranty and features Algae Defender technology for added resistance to color streaking from algae growth. 

Be your customer’s advocate 

Many homeowners aren’t familiar with impact resistance ratings or what they mean. That’s where you can step in, not just to recommend a product, but to help them navigate: 

• Insurance claims: Help document storm damage and recommend whether to upgrade to Class 4 during a replacement. 

• Local building codes: Some areas now require Class 4-rated shingles even if they aren’t in traditional hail zones. 

• Cost versus value decisions: Help homeowners do the math on upfront costs versus potential long-term savings, especially if they plan to stay in the home long-term. 

By guiding your customers to ask the right questions, you further position yourself as a trustworthy, value-driven partner. 

Final takeaway 

Choosing the right asphalt shingles isn’t just about weather protection; it’s about long-term value, peace of mind, and smart investments. As a contractor, you’re in a unique position to educate homeowners about impact-resistant shingles, support them during insurance conversations, and recommend solutions that fit their climate, budget, and goals. 

Whether your customers are upgrading after a storm or planning ahead, offering knowledge about Class 3 and Class 4 impact-rated shingles can turn a roofing project into an opportunity to build lasting trust. 

By staying informed and advocating for resilient, high-performing roofing products, you help protect more than just houses. You protect the people living under them.