Which roof ratings matter for insurance?

Product ratings

• Impact (UL 2218 Class 1 to 4): the rating most tied to discounts. Usually only Class 4 qualifies.
• Fire (Class A, B, C): Class A is expected; lower ratings can affect eligibility in some areas.
• Wind (ASTM D3161 Class F, ASTM D7158 Class G or H): weighted more heavily in coastal rating plans, though some insurers consider them everywhere.

For how impact ratings relate to real storms, see hail size and roof damage.

Roof age

For many insurers, the most important roof factor is age. Rating plans often step premiums up as asphalt roofs pass certain ages and may change claim settlement terms; see roof age and insurance.

Condition scores from above

Many insurers now review aerial or satellite images and score roof condition based on visible staining, missing shingles, patches, debris, tarps, and overhanging trees. A poor score can trigger an inspection request, a surcharge, or a non-renewal even if you have never filed a claim. Keeping the roof clean and repaired helps here.

How to prove your ratings

1. Find the exact product name on your invoice or warranty registration.
2. Download the manufacturer's product data sheet showing the impact, fire, and wind classifications.
3. Keep a photo of a shingle bundle wrapper if you have one.
4. Send these with the install date to your agent and ask which credits apply.

If a rating depends on a specific installation method, such as enhanced nailing for a wind rating, ask your roofer to note it on the invoice. Some impact discounts also come with a cosmetic damage exclusion, so read the endorsement.