Will my insurance pay for storm damage?
Roofing education reviewed by the ROOF.CLICK team. Product specifications referenced from manufacturer documentation.
Short answer
If a storm caused documented damage (hail, wind), your homeowner's insurance may cover replacement minus your deductible. ROOF.CLICK can help document the damage.
In more detail
File promptly, document with photos, and keep all contractor reports. If you upgrade to a Class 4 roof during the claim, some insurers may reduce future premiums — eligibility and savings vary by insurer, policy, and location, so ask your insurance provider. Always review the claim settlement against the actual replacement scope.
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Atlas StormMaster Shake
Storm-tested shake. Built for severe weather.
Class 4 Impact-Resistant
Limited lifetime manufacturer warranty
Explore this roof system →Related Roof Answers
What is Class 4?
Class 4 is the highest impact-resistance rating under UL 2218 — it means a shingle survived a 2-inch steel ball dropped from 20 feet without cracking.
Impact ResistanceHow much more is an impact-resistant roof?
Upgrading to a Class 4 impact-resistant system costs more per square than the value system. In hail-prone areas, some insurers may offer discounts for qualifying impact-resistant roofing, which can help offset the upgrade over time.
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