Save Money on Insurance with Impact-Resistant Shingles
One of the biggest hidden costs of homeownership is insurance premiums—and in Minnesota, those costs often rise after hailstorms and severe weather events. But did you know that upgrading your roof with impact-resistant shingles can actually lower your insurance bill?
Most insurers in Minnesota offer premium discounts of 10–30% for homes with shingles that carry a UL 2218 Class 4 rating. That’s because these shingles are proven to resist cracking, splitting, and granule loss caused by hail or flying debris, which means fewer claims and less costly repairs.
Over the lifetime of your roof, these discounts can add up to thousands in savings—often offsetting the initial cost of the upgrade.
How Impact-Resistant Shingles Help You Save
- Premium discounts – Ask your insurer about Class 4 shingle credits; many offer immediate savings.
- Lower repair bills – Less damage means fewer out-of-pocket expenses after storms.
- Extended roof life – Reduces the frequency of full replacements.
- Peace of mind – Stronger protection against Minnesota’s hail and wind.
Impact-Resistant Shingle Options That Qualify for Discounts
If you’re considering a roof replacement, here are the leading brands and product lines in Minnesota that combine durability with insurance savings:
CertainTeed
- NorthGate ClimateFlex® – Class 4, flexible in cold weather, built for hail resistance.
- Presidential IR® – Premium, luxury shingle with Class 4 strength.
- Landmark ClimateFlex® – Popular Landmark design with Class 4 impact protection.
- Landmark Pro® (Class 3) – Not Class 4, but still notable for durability.
- Landmark® (Class 3 UL) – A reliable standard with enhanced protection.
GAF
- Timberline® ArmorShield™ II – A homeowner favorite: architectural design with a Class 4 rating and broad insurance recognition.
IKO
- Nordic™ – Reinforced Class 4 shingle designed for extreme weather.
- Dynasty® with ArmourZone® – High-performance shingle with impact and wind resistance.
Trust the Experts at Smart Builders Group
When it comes to protecting your home and saving money on insurance, you don’t want to cut corners. That’s where Smart Builders Group comes in. Our team of experts specializes in roofing, siding, gutters, and windows—so whatever your home needs, we’ve got you covered.
From selecting the right impact-resistant shingles to working with your insurance provider, Smart Builders Group makes sure you get the protection and the savings you deserve.
Call Smart Builders Group today for a free inspection and find out how much you could save with impact-resistant shingles.
