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Impact-resistant roofing material that stands up to nature

Your roof has to endure a variety of weather conditions. Hail, high winds, snow, ice, and even nearby wildfire can weaken or destroy your roof.

Worker installing roofing shingles

Just how durable is your roof? That depends on the type of roofing products used in its construction. One type of roofing product – impact resistant shingles – can mean a stronger, more durable roof than non-impact resistant shingles. Impact resistant shingles are specially designed to help resist damage from hail, flying debris and high winds – abuse that might shred ordinary shingles, or tear them off of a roof. Sure, they may not look different from ordinary shingles, but they’re built differently to help withstand abuse.

Hailstorms are particularly dangerous to roofs. Hailstones can form up to five inches or more in diameter, and these ice bullets pelt your roof at speeds of 90 miles an hour or more. One way to lessen the potential impact of forceful storms is to install impact-resistant roofing materials.

You can choose impact-resistant asphalt or metal roofing material in a variety of popular styles, including individual shingles and sheet goods. Shingles resembling wood or slate that are made of cement, plastic, recycled resin or rubber, or molded polymer are also available in multiple colors. While some of these products may cost more than traditional shingles, you could save over the long run when you consider the potential savings from premium discounts and the reduced likelihood for roof damage.

Reasons to consider impact-resistant roofing options

  • Better resistance to wind and impact from hail and flying debris that non-impact resistant products. Some are warranted by the manufacturer against wind up to 130 mph.
  • Protection against fire - most products are Class A fire rated.
  • You may be eligible for an annual discount on your homeowners premium footnote [1], especially if your current roof is wood shingles footnote [2].
  • If you sell your home, the new owner may be eligible for a homeowners insurance discount, which can be a good selling point.
  • Less impact on the environment since fewer roofs will be damaged during a storm.
You'll know these impact-resistant shingles by the Underwriters Laboratories or Factory Mutual classification number: Look for UL 2218 or FM 4473, Class 3 or 4 on the package footnote [3].

To learn more about impact-resistant roofing materials, contact a State Farm® agent today.


return to reference[1] For qualifying metal products, an exclusion of certain damages to metal roof products will be a part of your policy. See your agent for details.
return to reference[2] Reduction of your homeowners insurance premium depends on your state of residence. 
return to reference[3] Underwriters Laboratories Impact Resistance of Prepared Roof Covering Materials or FM Global Specification Test Standard for Impact Resistant Testing of Rigid Roofing Materials by Impacting with Freezer Balls. Discount names, percentages, availability and eligibility may vary by state.

State Farm® (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates) is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites hyperlinked from this page. State Farm has no discretion to alter, update, or control the content on the hyperlinked, third party site. Access to third party sites is at the user's own risk, is being provided for informational purposes only and is not a solicitation to buy or sell any of the products which may be referenced on such third party sites.

The information in this article was obtained from various sources not associated with State Farm®. While we believe it to be reliable and accurate, we do not warrant the accuracy or reliability of the information. These suggestions are not a complete list of every loss control measure. The information is not intended to replace manuals or instructions provided by the manufacturer or the advice of a qualified professional. Nor is it intended to effect coverage under our policy. State Farm makes no guarantees of results from use of this information.


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