Name: Johnson Insurance Agency
Price range: $$

Hail is the biggest driver of home insurance costs along the Front Range. If your Englewood roof is due for replacement, or a hailstorm just made that decision for you, an impact-resistant roof is worth a serious look.

What Makes a Roof “Impact-Resistant”

Impact-resistant shingles are tested under the UL 2218 standard, which drops steel balls of increasing size onto the roofing. A Class 4 rating, the highest, means the material withstood a 2-inch steel ball without cracking. Class 4 options include certain asphalt shingles, metal roofing, and some synthetic slate and shake products.

Will It Lower My Premium?

Many carriers that write in Colorado offer a discount for a Class 4 roof, and some offer a better roof settlement or a lower wind and hail deductible. Discounts vary widely by carrier, so the savings on the same roof can be very different from one company to the next. Ask us to compare before you choose materials.

Other Benefits

Fewer claims. A roof that survives a hailstorm means no deductible to pay and no claim on your record.
Longer roof life. Impact-resistant materials often carry longer manufacturer warranties.
Easier to insure. Newer, rated roofs help with underwriting when carriers are tightening rules on older roofs.

Before You Replace Your Roof

Ask your roofer for the product’s UL 2218 Class 4 documentation and keep the invoice.
Send a copy to your agent so the discount is applied.
If the replacement is part of a hail claim, ask your insurer whether it will pay for the upgrade or only like-kind materials.
Remember that Colorado law doesn’t allow roofers to pay or waive your insurance deductible.

Learn more about home insurance or request a quote.

Have questions about your coverage? Call Johnson Insurance Agency at 303-768-8130 or stop by our office at 14 Inverness Dr. E, Suite G236, in Englewood. We compare coverage from multiple carriers for families and businesses across the Denver metro area and Colorado.