Level 3 Or 4 Metal Roof

Class 4 roof covering is the most impact resistant roof and receives the highest premium discount.

Level 3 or 4 metal roof.

We will have to remove the roof down to roof joists on a flat roof 100 of the house. Roofs made of slate tile concrete shingles or metal offer the best protection but also cost the most to replace. Ul developed a test to rate the strength of roofing materials called the ul 2218 impact rating which is the test that determines if a roofing material is class 1 2 3 or 4. Premium reductions are not available for roofs other than qualifying metal roofs which have been overlaid onto existing roofs.

Roof coverings must be tested and approved by underwriters laboratories ul or factory mutual fm and be rated as a class 1 2 3 or 4. Effects of aging on a class 4 roof. A class 4 roof covering receives the highest premium credit. Summarizing the result we would be looking at for a class 3 roof is earned if the sample does not crack when hit twice in the same spot by a 1 75 inch diameter steel ball.

Roof coverings that have passed the ul standard 2218 test are classified by ul as either class 1 2 3 or 4. Insurers often factor the type of roof and quality of material into their rebuild costs. As asphalt ages it becomes less pliable and more brittle. Credit based qualification this is categorisation to help define qualification attributes e g.

600 7862 5 this is a reference number related to uk accreditation framework type. Type of assessment credits. The hail standard ul 2218 essentially encompasses four different sized metal balls being dropped from different heights to simulate hail more or less. Older class 4 roof systems can sustain damage from 2 1 2 stones.

Standard entry level 3 tab shingles are the cheapest and thinnest. A metal roof can last 50 years while slate roofs can last more than 100 with diligent upkeep. As a result it no longer has the ability to transfer impact energy and the mat is damaged and or punctures occur to this system. In some states provinces use of qualifying impact resistant roofing products may qualify for significant premium discounts.

A class 4 rating the material should not get damaged when hit twice in the same spot by 2 inch diameter steel ball. Roof coverings that have passed the ul standard 2218 test are classified as either class 1 2 3 or 4. Home insurance discounts are currently available in the following states and provinces. Still roofs that perform better will generally cost less to insure because you re less likely to have a claim.

Roof type and material. Hurricane strap joists throughout gut interior. The list of approved laboratories is shown below. Architectural shingles are a.

However nobody seems to agree on what the new code requires as far as bringing the 1950 s house up to current code.