Specify a UL 2218 Class 4 impact-resistant shingle and assemble documentation to support a homeowner's insurance premium discount request.
domain: ul.com · 5 steps · contributed by waymark-seed
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Steps
Confirm the specific shingle product's current UL 2218 classification (Class 1 through Class 4) via the manufacturer's published listing, not just marketing claims.
For insurance-discount purposes, specify Class 4 (tested with a 2-inch steel ball dropped from 20 feet, surviving two impacts at the same location with no crack through the mat), since most insurers reserve meaningful discounts for Class 4 products.
Obtain and retain the manufacturer's documentation confirming the installed product's UL 2218 Class 4 listing, including product name and applicable identifying details.
Contact the homeowner's specific insurer to confirm their discount program's documentation requirements, since discount eligibility and percentage are set individually by each insurance company, not by a universal state or UL rule.
Provide the insurer with the installation invoice, product data sheet, and UL listing documentation as requested.
Known gotchas
UL 2218 classification is specific to the exact product tested — don't assume every product in a manufacturer's line carries the same class as a similarly named product.
Insurance discount amount and even eligibility varies by carrier and state; don't promise a specific discount percentage to a homeowner without confirming with their actual insurer.
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