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Technical BULLETINS

IMPACT RESISTANCE FOR METAL ROOF PANELS

American Building Components is proud to announce that each and every one of it’s metal roof panels have qualified for the Class 4 rating under Underwriters Laboratories UL 2218 test standard for “Impact Resistance of Roofing Materials”. The class 4 rating is the highest rating for which a roofing material can be considered. This means that when you specify or use ABC, you can be assured you are getting the most impact resistant roof available.

The UL 2218 test standard was mandated by insurance companies due to the large losses they have absorbed in recent years from hail damaged roofs. In order to provide the insurance companies with a way to predict possible hail damage without severely limiting the consumer’s choices, a rating system was developed. Roof coverings that pass this UL test standard are classified as either Class 1, 2, 3 or 4; with Class 4 being the most impact resistant. In certain areas of the country, roofs with UL rated materials can qualify for an insurance premium discount.


Why do I need an impact resistant roof?
Some hail storms have been so severe that they have perforated the roof deck, causing major water damage to the interior of the home. Also, for those that live in Texas, you may be able to qualify for a discount on your homeowner’s insurance of up to 35%.

How do I find out if I can get a discount on my insurance and if so, how much?

Call your insurance company to find out if they give discounts for “Impact Resistant” roofs. If you live in Texas, to check discounts by counties you may call the Texas Board of Insurance by phone at 800-252-3439 or check their website at www.tdi.state.tx.us. For specific website information: commish/nr04018.html

Are all metal roofs impact resistant?

No. Only those that are listed by Underwriters Laboratories as having passed the UL 2218 test standard.

How do I know for sure if a roof covering has passed the UL 2218 test?

UL publishes a “Roofing Materials and Systems Directory” on a yearly basis which includes information on wind uplift, fire ratings and impact resistance of various roofing materials.

How do I prove to my insurance company that my roof is indeed “Impact Resistant”?

The roofing material manufacturer should provide a certificate, such as the example shown to the right, to the roofing contractor to furnish to the homeowner to present to their insurance company.

Does an “Impact Resistant” roof cost more?

No. At ABC, we do not charge any more money for the “Impact Resistance” rating on our panels.

Do I have to request the “Impact Resistance Certificate” from ABC when the material is ordered?

No. You may request the “Impact Resistance Certificate” at any time after the roof has been installed.

I had a metal roof from ABC installed on my house several years ago. Can my roof qualify for the “Impact Resistance Certificate”?

Yes. ABC can issue a certificate. You should, however check with your insurance company to see if you qualify for the premium reduction.

What about cosmetic damage to my roof?

Your insurance company may require you to accept an endorsement to your policy that excludes cosmetic damage.


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