Class 4 impact-resistant roof installation, priced line by line next to a standard roof
State Restoration Services installs impact-rated shingle roofs across the north and northwest Chicago suburbs, from Arlington Heights to Mundelein. An impact-rated architectural asphalt system is the roof we put on most often.
A Class 4 roof is the same tear-off and the same build underneath as a standard roof. The shingle on top changes, and so does the cap along the hips and ridge. We put both versions on one estimate so you can see what the upgrade really costs before you choose.
What changes on the estimate when you choose Class 4
Two lines change and the rest of the job stays exactly as we build every roof on our residential roofing page. That is why we price both on one sheet: if a quote moves the tear-off or the labor too, the comparison stops being fair.
| Line on the estimate | What it covers | Class 4 option |
|---|---|---|
| Tear-off | The old shingles come off down to the wood deck so we can see what is under them. | Same |
| Deck repair | Soft or rotted sheathing is replaced before anything new goes on. | Same |
| Ice-and-water shield | Self-sealing membrane at the eaves, valleys and around penetrations. | Same |
| Underlayment | Synthetic underlayment across the rest of the deck. | Same |
| Flashing and boots | New metal at chimneys, walls, vents and skylights. | Same |
| Ventilation | Intake and exhaust balanced to the attic, which the shingle warranty requires. | Same |
| Field shingle | The shingle on the open slopes. On the Class 4 option the estimate names the exact product, not just a brand and the words impact resistant. | Changes |
| Hip and ridge cap | The cap shingle is a separate product from the field shingle, so the estimate names the cap the maker pairs with the rated one. | Changes |
| Clean-up | Landscaping protected, debris hauled away, magnetic nail sweep of the yard. | Same |
What makes the finished roof count as a Class 4 roof
The rating is earned by a product in a lab. Whether your insurer accepts the roof depends on what goes on and how. These are the four things we settle before the order goes in.
A rated product on the open slopes
Shingle families can mix ratings. IKO, one of the three makers we install, lists Nordic as Class 4 and Dynasty as Class 3. Owens Corning introduced Duration FLEX as UL 2218 Class 4. The estimate names the product so you can check it against your insurer's list.The cap that goes with it
Hips and ridges are covered with their own cap shingle. Ask which cap the maker pairs with the rated shingle, and check that it is named on the estimate too.A full tear-off, not a second layer
Insurer credit programs we have read require a new roof or a complete replacement. Our guide to roofing over existing shingles explains why an overlay can close that door.Installed to the maker's instructions
Nailing, starter courses, underlayment and ventilation follow the manufacturer's spec, which also keeps the shingle warranty valid.
The paperwork your insurer asks for after the roof goes on
A premium credit for an impact-rated roof is a program of your carrier, not something that happens on its own. Ask your agent which form they need before the job starts and hand it to us with the signed contract.
Roofing installation certification
State Farm
Its homeowners discounts page lists Illinois among the states with an impact-resistant roofing discount and asks owners to check with their agent before installing. Its certification form records the four details drawn here and is signed by the roofing company.
Homeowners of America
Its Illinois underwriting guideline allows a credit when the roof:
- is rated Class 3 or 4 under UL 2218
- is not wood (synthetic polymer is excluded)
- is new construction or a complete roof replacement
Neither carrier publishes a percentage. Your agent can give the dollar figure for your policy.
Your break-even comes from two numbers on two pieces of paper
One number comes from our estimate and one from your agent. Neither can be guessed from a website, which is why this worksheet has no figures filled in.
The upgrade price
The Class 4 total minus the standard total, both from the same estimate.
The yearly credit
What your carrier takes off the premium each year, in dollars, asked for in writing.
Years to break even
If you plan to stay longer than this, the upgrade pays for itself on the premium alone.
If the price difference is the hard part, our financing options include 0% in-house financing for up to 24 months. The rating test itself, ball sizes and drop heights, is explained in our Class 4 shingle guide.
Class 4 shingles or a metal roof
Both can carry an impact rating, and we install both. The choice usually comes down to budget, how long you will stay and how the house should look.
Class 4 architectural shingles
- The lower upfront cost of the two, and the system we install most
- The look of a regular architectural shingle roof, in GAF, Owens Corning or IKO colors
- Easy and inexpensive to repair one area later
- Credit programs we read want a full tear-off, which is how we build anyway
Standing-seam metal
- A typical lifespan of 40 to 70 years against 25 to 30 for architectural asphalt
- Sheds snow and ice better than shingles
- Usually two to three times the upfront cost
- State Farm's form says the premium reduction for qualifying metal requires accepting an endorsement that excludes certain damage to the metal
Profiles, panels and seams are compared on our metal roofing page.
When the new roof is going on because of hail
A replacement cost policy pays for a roof of like kind and quality to the one you had. If the old roof was a standard shingle, the extra price of a Class 4 product is normally yours, so it goes on the estimate as its own line next to the claim work. Our hail damage roof replacement page covers how we decide which slopes need replacing.
Our part is the evidence and the numbers: photos of the hits on each slope, measurements, and an estimate written to current code, with the upgrade kept apart from the storm work. Under Illinois law a roofing contractor cannot speak for you to the carrier. That role belongs to our partner, the licensed Illinois public adjuster State Adjusting Services, if you want representation. The carrier makes the payment decision, as our storm and insurance page explains.
Questions owners ask before ordering a Class 4 roof
Do you install Class 4 shingles when there is no storm damage?
Yes. A Class 4 roof can go on whenever the old roof is due for replacement. It is a regular full replacement with a rated shingle and its matching cap, priced next to a standard option on the same estimate.
How much more does a Class 4 roof cost than a standard one?
It depends on the product and the size of the roof, so we do not publish one figure. Both options go on one estimate with the same tear-off and labor, and the gap between the two totals is the real cost of the upgrade.
Can Class 4 shingles go over my existing roof?
We build on a full tear-off. State Farm says premium reductions are not available for roofs overlaid onto existing roofs, except certain metal roofs, and the Homeowners of America guideline asks for new construction or a complete replacement.
Does the shingle warranty cover hail on a Class 4 roof?
No. IKO states on its Nordic page that the impact rating is not a guarantee against hail and that hail damage is not covered under its limited warranty. Hail damage to any roof goes through your homeowners insurance.
Want this looked at?
We inspect for free, document what we find and prepare a code-compliant estimate you can hand to your insurer. Our partner, a licensed public adjuster, State Adjusting Services, can represent you on the claim.
Call (866) 992-2982. Free Inspection