Homeowners ask me about this more every year: impact-resistant shingles are rated Class 1 through Class 4 under a steel-ball drop test, and some carriers will knock money off your premium for the higher ratings.
Georgia isn’t Texas or Oklahoma, where almost every carrier offers this credit — but a growing number of companies writing policies here do give one, sometimes 10 to 30 percent off the wind and hail portion of your bill. Most tie it to Class 4 (survives a 2-inch steel ball), but some carriers also credit Class 3 (a 1.75-inch ball), usually at a smaller discount. Either way, it only counts with a genuine rating on paper, not a salesman’s word.
We install both Class 3 and Class 4-rated shingles on request and can hand you the documentation your carrier will want to see.