The Class 4 roof insurance discount in Colorado

This page exists because nearly every other page on this topic in Colorado repeats the same wrong citation, and because the accurate version is more useful anyway.

Current as of July 2026.

The claim you have probably read

Search for a Class 4 roof discount in Colorado and you will be told that state law requires your insurer to give you one, cited to C.R.S. 10-4-110.8, frequently with a specific figure attached.

What that statute actually contains

C.R.S. 10-4-110.8 is titled "Homeowner's insurance, prohibited and required practices". Its subsections cover cancellation after coverage inquiries, sharing claim information, definitions, compliance with other insurance regulations, unit owner claim rights, extended replacement cost and law-or-ordinance coverage, policy readability, reconstruction cost estimation, policy language change notice, reconstruction cost disclosure, policy copies, contents coverage and inventory, the statute of limitations for suits, wildfire disaster loss requirements, contents loss procedures after wildfire, the commissioner's rulemaking authority, and a prohibition on dog breed discrimination.

There is no roofing subsection. No impact-resistance subsection. No discount subsection. The citation appears to have been copied between roofing sites until it read like settled law.

Our own limit, stated plainly: we verified that this statute does not contain the provision. We cannot rule out that some other Colorado statute or a Division of Insurance regulation creates a current obligation we have not found. Until we can cite one correctly we do not claim one exists. If you have the right citation, tell us and we will publish it and credit you.

What is true, and it is still worth money

The major carriers writing homeowner policies in Colorado do offer impact-resistant credits. They are carrier programs, priced in each carrier's own rate filing, which is exactly why two neighbours with identical roofs and different carriers see different savings, and why nobody can honestly quote you a statewide percentage.

And a genuine obligation is arriving. Senate Bill 26-155, signed 2026-06-04 and effective 2026-08-12, requires insurers to grant resilient-roof discounts, and from no sooner than January 2027 requires them to report annually on policies in force, homes with resilient roof systems installed, discounts applied for those roofs, and wind and hail claim frequency and severity. That reporting is what turns a voluntary credit into something a regulator can see. Source: leg.colorado.gov, SB26-155. Our grant tracker follows the same bill's funding side.

How to actually get the credit

• Call your carrier before you sign a roofing contract and ask, in these words, what their impact-resistant or Class 4 roofing credit is and what documentation they require.
• Get the manufacturer documentation naming the exact system installed and its UL 2218 class.
• Get the permit closed in the jurisdiction that issued it.
• Get the manufacturer certification for your specific installation, not a generic brochure.
• Send all three to your carrier and confirm in writing that the credit has been applied to the dwelling portion of your premium.

Ask for those documents in the contract, and collect them at completion before final payment. A roof that qualifies but cannot be documented does not earn anything.

Work it out for your own house

The four numbers that decide whether metal pays

1. 1. The install. Standing seam on a typical Front Range home runs roughly $18,000 to $36,000 depending on size, pitch, panel gauge and how much tear-off is involved. Stone-coated steel sits lower in that range. Get the number from a quote, not from a website.
2. 2. What you would have spent anyway. If hail has already taken your roof, your claim covers a like-for-like replacement. Metal is an upgrade, so the real question is not the full ticket, it is the difference between the claim settlement and the metal quote.
3. 3. The annual insurance credit. Ask your carrier, by name, what their impact-resistant or Class 4 credit is on your dwelling premium. Most Colorado carriers run one. The amount is theirs, not the state's, so it varies. Multiply it by the years you expect to own the house.
4. 4. Replacement cycles avoided. This is the number Colorado homeowners underweight. On a hail-belt asphalt roof you may be doing this again in a decade. A metal roof is normally a once decision.

Numbers 1 and 3 come from your quote and your carrier. We will not put a percentage in your mouth, because the credit is set in each carrier's own rate filing and anyone quoting you a statewide figure is quoting marketing.

Where this fits in the whole decision: the Colorado Metal Roofing Guide. What Class 4 is and how metal earns it: Class 4 impact-resistant roofing.

Questions homeowners ask

Does Colorado law require my insurer to discount a Class 4 roof?

Not as far as we can verify, today. The statute usually cited for that, C.R.S. 10-4-110.8, contains no roofing provision at all. What does create an obligation is Senate Bill 26-155, effective 2026-08-12, under which insurers must grant resilient-roof discounts and, in annual filings from no sooner than January 2027, show that those savings reach policyholders.

So is the discount real?

Yes, in practice. Major carriers writing in Colorado run impact-resistant credit programs of their own. It is a carrier program priced in a carrier rate filing, not a state-set number, which is why it varies and why you have to ask for it by name.

What percentage will I save?

We will not give you a number, because any honest answer is "ask your carrier". Figures circulating on Colorado roofing sites are marketing, not law, and the credit differs between carriers and policies.

Does a Class 4 asphalt shingle earn the same credit as metal?

For the impact rating, generally yes: the credit is priced on the UL 2218 class, not on the material. The difference between them is service life, not the rating.

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