When it comes to protecting your home, not all shingles are created equal. Roofing materials are rated based on how well they can withstand impact—such as hail—without breaking or cracking. This rating system is called UL 2218 impact resistance, and it ranges from Class 1 (lowest rating) to Class 4 (highest rating).

Class 3 shingles fall near the top of this scale, providing excellent protection against severe weather events while still being more affordable than Class 4 options. For many homeowners, upgrading to Class 3 shingles strikes the perfect balance between durability, performance, and cost savings.

What Makes Class 3 Shingles Different?

Class 3 shingles are designed and tested to withstand the impact of a 1 ¾-inch steel ball dropped from 20 feet without sustaining significant damage. This means they’re more resistant to hail and flying debris than standard asphalt shingles. Benefits include:



1. Greater Durability – Less risk of cracking, splitting, or granule loss during storms.



2. Extended Roof Lifespan – Fewer repairs and longer protection for your home.



3. Peace of Mind – Stronger defense against the unpredictable weather common in Chicagoland.



How Class 3 Shingles Can Lower Insurance Costs

Because Class 3 shingles reduce the risk of storm-related damage, many insurance companies reward homeowners who upgrade to them. Here’s how:



-Lower Premiums – With a stronger roof system, insurers often view your home as less risky to cover, which can potentially translate into savings on your monthly premiums. Contact your provider for more information. 



-Fewer Claims – Less damage means fewer insurance claims, which can help prevent premium increases over time. 



-Potential Discounts – Some insurers even have specific discounts for homes with impact-resistant roofing materials like Class 3 or Class 4 shingles. Contact your provider for more information.



TTLC Can Help You Maximize the Benefits

At TTLC Roofing, Siding, & Gutters, we don’t just replace your roof—we help you make smart choices that can protect your home and save you money in the long run. Our team:



1. Installs high-quality Class 3 shingles built to perform in severe weather, such as Certainteed, GAF, and Brava materials. 



2. Works directly with your insurance provider to make sure you receive any available discounts or savings.



3. Provides documentation and proof of installation to ensure you’re set up for lower premiums if available through your policy and carrier.



Upgrade Your Roof, Lower Your Costs

If your roof is due for replacement or has been impacted by storm damage, upgrading to Class 3 shingles is a smart investment. You’ll not only add durability and protection to your home but may also see real savings on your insurance bill.

Contact TTLC Roofing, Siding, & Gutters today for a free inspection and to learn more about how Class 3 shingles can safeguard your home while lowering your long-term costs.