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Texas Department of Insurance
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Products qualifying for impact-resistant roofing credits

As of Febuary 24, 2023

Roofing materials installed on structures may be eligible for discounts on your insurance.  Roofing materials may be in the form of shingles, tiles, shakes, formed metal panels, or sheets, or other types of roof coverings.  To qualify for a discount, roofing materials must be tested for impact resistance at a test laboratory in accordance with a recognized test standard.  Roofing materials that have passed the test criteria are classified as either Class 1, 2, 3 or 4.  A Class 4 roof covering would receive the highest premium credit.

The amount of discount for each class of roofing material is established by the insurance company on a company-by-company basis.  Each insurance company determines the test criteria they will accept, how the roofing materials are labeled for verification, and the paperwork that must be submitted to them by the contractor and policyholder.

TWIA offers policyholders credits on their policy for installing impact resistant roofing materials.  To be eligible for the credit, the roofing materials must have passed UL Standard 2218 and be classified as either Class 1, 2, 3, 4.  After January 1, 1999, in order for the roofing material to be eligible for a credit from TWIA, the manufacturer must label their products with the following information:

  • the proper Underwriter’s Laboratories label or label from any other lab approved by the Texas Department of Insurance.
  • the impact resistance classification (Class 1, Class 2, Class 3, or Class 4) of the roofing material under UL Standard 2218
  • the manufacturer’s name
  • the year manufactured
  • the brand name of the roofing product

Roofing materials that do not comply with this requirement, even though they meet the required impact resistant standard, DO NOT qualify for the insurance credit from TWIA.

Once the roofing material has been installed, the contractor must fill out TDI form PC068 - Impact-Resistant Roofing Installation Form.

The completed form is provided to the TWIA policyholder/agent and in return, provided to TWIA.

Note:  The form is required by TWIA to be eligible for a credit from TWIA.  Insurance companies may elect to use this form, or they may require the use of their own form.

Note:  The Texas Department of Insurance does not endorse or recommend any roofing material.


For more information, contact: