What do roof classifications like Class A and Class 4 mean for insurance?
People mix these up because they all use the word class. They measure different hazards with different tests.
Fire: Class A, B, C
Fire classifications come from standardized tests such as ASTM E108 and UL 790, which expose the roof assembly to flame spread and burning brands. Class A is the highest. Most asphalt shingles, metal, clay and concrete tile, and slate achieve Class A as installed. Untreated wood shakes may not, which is one reason some insurers restrict them.
Impact: Class 1 to 4
UL 2218 drops steel balls of increasing size on the roofing material. Class 4 means the product withstood a 2 inch ball without cracking through. Impact rated products are the basis for most hail related insurance discounts. Class 4 does not mean hail-proof: very large hail can still damage the roof, and a damaged Class 4 roof can still be claimed.
Wind: shingle wind classes
- ASTM D3161 Class F: tested with fan induced wind at 110 mph.
- ASTM D7158 Class G and H: rated for higher design wind speeds, with Class H the highest.
Wind ratings depend on correct installation, including nail count and placement, so the label means little without a proper install.
Where to find your roof's ratings
Check the shingle wrapper, the manufacturer's product data sheet, or your invoice. Insurers usually want that documentation before applying a credit. To see how ratings interact with hail and claim terms, read hail size and roof damage and cosmetic damage exclusions.