Hail-Resistant Metal Roofs and Your Texas Insurance
What UL 2218 Class 4 means, how Texas discounts are set and what your roofer files.
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The Short Answer
A hail-resistant roof is one built with an impact-rated product and installed correctly. The rating to ask about is UL 2218 Class 4, the highest impact class, which our stone coated steel system carries. Your insurance credit for that roof is set by your own carrier, not by the state, and your roofer files a form so the credit can be applied.
What UL 2218 Class 4 Means
UL 2218 is an impact test: steel balls of increasing size are dropped onto the roofing product to see whether the surface cracks or splits. The result is a class from 1 to 4.
- Class 1 — passes the smallest impact.
- Class 2 and Class 3 — pass progressively larger impacts.
- Class 4 — passes the largest impact in the test, and is the highest class.
Class 4 is not a promise that a roof will never be marked by hail. It means the product survived the standard test without fracturing. Our stone coated steel roofing is UL 2218 Class 4 rated and also carries a UL Class A fire rating and a wind rating to 120 mph.
Texas Insurance Discounts for Impact-Resistant Roofs
The Texas Department of Insurance says each insurance company sets its own discount amount for impact-resistant roofing, and installers complete TDI form PC068 (Impact-Resistant Roofing Installation Form) so the credit can be applied.
We complete that form for the roofs we install and give you a copy for your agent. You can read the Texas Department of Insurance page on roofing discounts at tdi.texas.gov/company/roofing-discounts.html. We do not quote a discount percentage, because that number belongs to your carrier.
Cosmetic vs Functional Hail Damage on Metal Roofs
Hail can leave a metal panel dented without breaking the water barrier. That is cosmetic damage: the roof still keeps water out. Functional damage is different — split panels, punctures, crushed seams, damaged flashings or fasteners backed out of the deck, all of which can leak.
The distinction matters at claim time. Some Texas policies exclude cosmetic damage to metal roofing, so read your policy or ask your agent whether cosmetic dents are covered before a storm rather than after one. Either way, get the roof looked at: what appears cosmetic from the ground sometimes is not. We handle metal roof repair and can tell you which kind of damage you have.
Before You Choose a Roof, Call Your Agent
- Ask whether your carrier offers a discount for an impact-resistant roof, and how much it is.
- Ask which impact classes qualify — some carriers only credit Class 4.
- Ask whether your policy excludes cosmetic damage to a metal roof.
- Ask what documentation they need: TDI form PC068, the product data sheet, or both.
- Ask how the credit is applied at renewal, and confirm it appears on your next declarations page.
Then choose the system: stone coated steel for a Class 4 tile or shake profile, or standing seam for a clean vertical panel roof.
Hail and Insurance Questions
A UL 2218 Class 4 impact-rated roof, installed properly. We use stone coated steel for that rating; Class 4 shingle lines also exist.
It may. Each company sets its own discount amount for impact-resistant roofing, so ask your agent what your policy allows.
It is the Impact-Resistant Roofing Installation Form. Installers complete it so your carrier can apply the credit for an impact-resistant roof.
Large hail can dent metal. Denting is usually cosmetic rather than functional, but split panels, punctures and damaged flashings do leak and should be inspected.
Have the roof inspected first so you know whether the damage is functional. We look at the roof and tell you what we find, and our 24 hour answering service means a storm at 11pm still reaches a person.