Anyone using impact resistant asphalt shingles?

zone4newbyFebruary 15, 2013

Apparently there are hail-resistant shingles-- they use a rubber in the shingle so it's less brittle and more resistant to impact. My insurance agent tells me we could save hundreds of dollars a year if our roof were impact resistant, and we may also save ourselves the cost of our deduction and the hassle of replacing a roof after a hail storm.

I can talk to my builder about them, but I was curious if anyone here has experience with them. What's the cost compared to architectural shingles? Are you happy with the appearance?

Thanks!

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millworkman

Never heard of them and I live on L.I. and have been in the building material supply business for 30 yrs. But if it is anything like the other related "impact or hurricane products" the cost will more than likely outweigh the $ in insurance premiums.

    Bookmark   February 15, 2013 at 3:19PM
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zone4newby

Here's a link to one product.

We're in the Midwest (although I grew up on LI! I envy you your delis and bagels!) and hail storms here are quite common- at least 2-3 per year. I'm not sure I ever saw hail on LI.

Here is a link that might be useful: IKO Armorshake shingles

    Bookmark   February 15, 2013 at 3:28PM
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renovator8

Always read a warranty - never assume what it covers.

The warranty for IKO's "Armourshake" shingles excludes the following:

"Any damage caused by Acts of God or other causes beyond IKO's control, including, without limitation, lightning, gale or wind (except for the coverage in the Limited Wind Resistance Warranty), hail, hurricane, tornado, earthquake, explosion, flood, fungus contamination, solid objects falling on the roof, or any other causes."

Similar exclusions are found in the warranty for Owens-Corning's "Impact Resistant" shingles:

"1. Acts of God, such as hail, strong storms (hurricanes) or winds over the maximum windspeed listed in the chart at the end of this warranty, or ice damming above the area covered by leak barriers or flashings."

For GAF Timberline "ArmorShield" II Shingles, "impact resistant" means the shingles passed the UL 2218 Impact Test with a Class 4 rating but the warranty excludes "(a) acts of nature, such as hail, winds (or gusts) over the applicable wind speed listed above, or ice damming above the area covered by leak barriers or above flashings."

Basically all of these roofing systems are algae resistant, thicker and use better installation standards but none to my knowledge are warrantied against damage from hail. And some of these shingles are not even offered for sale in certain parts of the country, like near the ocean or the mountains.

Don't assume anything about a warranty - you must read it carefully.

    Bookmark   February 15, 2013 at 6:12PM
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worthy

So if they're not warranted, they're no improvement even if they meet the higher UL standard?

I guess you have to balance any insurance discount against the extra initial costs. And consider the large deductibles on your home insurance policy in case there is a claim. Standard deductible here is $5,000.

    Bookmark   February 15, 2013 at 6:50PM
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zone4newby

The main drivers for me would be to have a higher quality shingle and save $350/yr on my home insurance (and more than that if they save me a claim). I understand that the manufacturer can't promise they'll withstand a hailstorm, just that they are more impact resistant than standard shingles. They do appear to be available in my area, and the fact that the insurance companies offer discounts for using them suggests there is a benefit statistically.

I was hoping to find someone who has used them or considered them and decided against them. Anyone?

    Bookmark   February 15, 2013 at 8:56PM
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zone4newby

I thought I'd update the thread in case someone else is interested. Switching to impact resistant shingles will only cost us about $1000-- the material is more expensive but the installation is identical, and the savings in the reduced rate for our home insurance will pay for the additional cost in less than 3 years. Add in that the shingles are higher quality and it's a pretty easy decision (once I reconfirm the deduction with my insurance agent).

Here is a link that might be useful: Atlas StormMaster Shingles

    Bookmark   February 27, 2013 at 10:53PM
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