Level 3 Or 4 Metal Roof

Credit based qualification this is categorisation to help define qualification attributes e g.

Level 3 or 4 metal roof.

As asphalt ages it becomes less pliable and more brittle. The hail standard ul 2218 essentially encompasses four different sized metal balls being dropped from different heights to simulate hail more or less. 600 7862 5 this is a reference number related to uk accreditation framework type. 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.

A class 4 roof covering receives the highest premium credit. Insurers often factor the type of roof and quality of material into their rebuild costs. Roof type and material. We will have to remove the roof down to roof joists on a flat roof 100 of the house.

Still roofs that perform better will generally cost less to insure because you re less likely to have a claim. A class 4 rating the material should not get damaged when hit twice in the same spot by 2 inch diameter steel ball. Standard entry level 3 tab shingles are the cheapest and thinnest. In some states provinces use of qualifying impact resistant roofing products may qualify for significant premium discounts.

Premium reductions are not available for roofs other than qualifying metal roofs which have been overlaid onto existing roofs. The list of approved laboratories is shown below. Hurricane strap joists throughout gut interior. Class 4 roof covering is the most impact resistant roof and receives the highest premium discount.

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. Roofs made of slate tile concrete shingles or metal offer the best protection but also cost the most to replace. Type of assessment credits. Roof coverings that have passed the ul standard 2218 test are classified by ul as either class 1 2 3 or 4.

Roof coverings that have passed the ul standard 2218 test are classified as either class 1 2 3 or 4. Effects of aging on a class 4 roof. 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. 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.

Older class 4 roof systems can sustain damage from 2 1 2 stones. 88 credits are a measure of the size of the qualification. A metal roof can last 50 years while slate roofs can last more than 100 with diligent upkeep. Home insurance discounts are currently available in the following states and provinces.

An engineers review and the building official finally agree that this is a level 3 alteration.