Are Impact-Resistant Roof Shingles Really Worth the Investment? IBHS Investigates

The Growing Problem of Hail Damage

Hail damage is becoming an increasingly significant issue in many parts of the United States, causing approximately $1 billion in damage to crops and property annually, according to the National Oceanic Atmospheric Administration (NOAA). This growing concern has prompted the Insurance Institute for Business Home and Safety (IBHS) to conduct extensive field and laboratory research over the years. Recently, IBHS unveiled the results of its inaugural hail impact performance program—the IBHS Impact Resistance Test Protocol for Asphalt Shingles—aimed at evaluating impact-resistant roofing products and establishing the IBHS performance standard for such shingles.

Testing Impact-Resistant Shingles

To validate its standard, IBHS purchased the most commonly available impact-resistant shingles on the market and subjected them to rigorous testing in its laboratory under simulated real-world conditions. The findings, now published on the IBHS website, include detailed disclosures, test standards, and member-only data. This comprehensive approach allows consumers to make informed decisions about the durability and effectiveness of impact-resistant shingles.

Investment vs. Protection

While impact-resistant shingles can offer significant protection against hail damage, it's essential to weigh the cost against the potential savings in insurance premiums and repair costs. According to a study by the IBHS, homes with impact-resistant roofing can reduce insurance claims by up to 30% in hail-prone areas. However, the initial investment for these shingles can be substantial, often 10-20% more than standard shingles. Homeowners should consider their local climate, the frequency and severity of hailstorms, and their insurance policy terms before making a decision.

In conclusion, while impact-resistant shingles can provide substantial benefits, particularly in regions prone to hail, homeowners should conduct thorough research and consider all factors before investing. Consulting with a roofing professional and insurance agent can provide valuable insights and help ensure that the chosen roofing solution aligns with individual needs and budget.