Class 3 Impact-Rated Shingles: What Kansas Homeowners Should Know
What the rating means, what it does not guarantee and what to ask your insurer before choosing a roofing system.
Impact rating in plain language
Impact ratings compare how roofing products perform in a standardized test. A Class 3 rating indicates added impact resistance compared with conventional products, but no shingle is hail-proof and a laboratory rating does not guarantee that a roof will avoid damage in every storm.
The Keystone upgrade
Keystone offers the Tamko Titan XT Class 3 impact-rated shingle system with no upgrade charge. The product includes a 160 mph wind warranty when installed according to the manufacturer's requirements.
Ask your insurer before assuming savings
Some insurers may offer a premium reduction for qualifying impact-rated roofing. Eligibility, documentation and the amount of any reduction vary by carrier and policy. Ask your insurer what rating and proof they require before choosing a product.
Look at the whole roofing system
The shingle is only one part of a dependable roof. Decking condition, underlayment, ventilation, flashing, fastening and installation details all contribute to performance. A clear written scope should explain the complete system going onto your home.