Save on Your Homeowner's Insurance with Hail Impact-Resistant Shingles
As a homeowner in Louisiana, protecting your home against harsh weather conditions such as hail along the coast is crucial. At Cornerstone Construction and Remodel, we understand that the right roofing material can not only safeguard your home but also provide significant savings on your homeowner's insurance premiums. Impact-resistant shingles, particularly those in higher classes, can reduce your insurance premiums by 5% to 35% because they're less prone to damage according to Architectural Digest. This reduction is often most noticeable in areas prone to hail, which makes these shingles a game-changer for Louisiana homeowners.
All Shingles Are Not Equal
Shingles are classified based on their resistance to impact, with the classification system ranging from Class 1 to Class 4. This classification is determined through testing conducted by the Underwriters Laboratories (UL) standard UL 2218, which assesses the impact resistance of roofing materials. The test involves dropping steel balls of varying sizes from specified heights onto the shingles to simulate the impact of hail.
Here's a breakdown of the different classes of shingles:
Class 1
- Impact Resistance: These shingles can withstand the impact of a 1.25-inch steel ball dropped from 12 feet.
- Suitability: Suitable for regions with minimal hail.
Class 2
- Impact Resistance: These shingles can withstand the impact of a 1.5-inch steel ball dropped from 15 feet.
- Suitability: Designed for areas with light to moderate hail.
Class 3
- Impact Resistance: These shingles can withstand the impact of a 1.75-inch steel ball dropped from 17 feet.
- Suitability: Ideal for regions that experience moderate to high hail activity.
For those concerned about high winds, particularly along the coast of Louisiana, the Tamko Titan Class 3 shingles offer the highest wind-rated protection in their class. These shingles present a cost-effective alternative to metal roofs, delivering robust wind resistance without breaking the bank. Their durability makes them an ideal choice for homeowners looking to combine affordability with high performance.
Class 4 (Highest Impact Resistance)
- Impact Resistance: These shingles can withstand the impact of a 2-inch steel ball dropped from 20 feet.
- Suitability: Recommended for areas with heavy hail and severe weather conditions. Class 4 shingles offer the highest level of impact resistance, providing superior protection against hail and other impact-related damages.
Class 4 shingles, recognized for their superior impact resistance (IR), are designed to withstand severe weather conditions, including hail and heavy storms. Two standout options in this category are:
- Atlas Pinnacle IR Shingles: These shingles offer exceptional durability and a longer lifespan, making them an excellent investment for homeowners looking for long-term roofing solutions.
- Certainteed IR Shingles: While slightly pricier, Certainteed's IR shingles promise unmatched protection against impact and weather elements, ensuring your home stays secure in the face of adversity.
Investing in Class 4 shingles can lead to substantial discounts on your homeowner's insurance premium, thanks to their proven resilience and the added protection they provide to your property.
Rely on Local Experts
Choosing the right shingle class for your home enhances its protection against the elements and can also lead to significant savings on your insurance premiums. At Cornerstone Construction, with over a decade of experience in Baton Rouge and surrounding areas, we're committed to helping you find the best roofing solution tailored to your needs and budget.
Don't compromise on your home's safety or your financial well-being. Email us or call us at (225) 978-3665 today to discuss how Class 3 and Class 4 shingles can benefit your home. Let us help you make an informed decision that secures your home and savings.
Photo credit: NAMYNOT Inc.