Burn Bans Are Up Across Central Texas. Your Roof Is the Part That Matters.

Class A Asphalt Shingle Fire Resistant

As of this week, fire danger is rated extreme across much of our service area — Waco, Hillsboro, Gatesville, and Meridian among them — and burn bans are in effect throughout Central Texas. Bosque County commissioners issued a 90-day ban on August 17. Statewide, more than 165 counties are on the Texas A&M Forest Service burn ban map. Fire resistant roofing in Central Texas is ore important now than ever.

Here’s the part most homeowners don’t know: in wildfires, homes are usually not lost to the wall of flame. They’re lost to embers — and the roof is where embers land.

This isn’t a sales pitch. Most of what follows costs nothing and takes an afternoon.

Embers, not flames

Research from the Insurance Institute for Business & Home Safety and post-fire investigations consistently find that the large majority of homes destroyed in wildfires are ignited by wind-blown embers, not by direct flame contact. Some estimates put that figure as high as 90%.

Embers travel. They ride the wind a mile or more ahead of the fire front, and they arrive in volume — thousands per square foot, over a period that can last from twenty minutes to several hours.

Then they look for fuel. Your roof is the largest, most exposed surface on your house, and it has all the places embers like: valleys where debris collects, gutters packed with dry leaves, and vents that lead straight into your attic.

The pattern that shows up repeatedly in post-fire surveys is a home that ignited from the inside or the edge, not the front.

The three weak points, in order

1. Vents and attic openings. This is the most common entry route. Standard attic, soffit, and gable vents are designed to move air — and they move embers just as efficiently. Embers that get through can ignite attic insulation, rafters, or stored boxes. A quarter-inch mesh screen passes embers readily. One-eighth-inch metal mesh is the standard recommendation, and it’s a cheap fix.

2. Debris on the roof and in gutters. IBHS documented a home in California’s 2018 Camp Fire where embers ignited debris in the gutter, which then burned the roof edge and deck. The roof covering itself wasn’t the problem — the leaves sitting on it were. Their lab testing also shows vinyl gutters melting and falling away, sometimes more slowly than it takes the roof deck to ignite.

Leaves in your gutter are, functionally, kindling attached to your roofline.

3. The first five feet around the house. IBHS research found that creating a noncombustible buffer in the five feet closest to a home cuts its risk of igniting in half. That means no mulch, no firewood stacks, no combustible groundcover, no wicker furniture against the wall. River rock, gravel, and hardscape instead.

What Class A actually means

Roof coverings are fire-rated Class A, B, or C under ASTM E108 / UL 790 — testing that measures flame spread and resistance to burning brands. Class A is the highest fire resistant roofing in Central Texas.

The good news for most Central Texas homes: modern fiberglass-mat asphalt shingles typically carry a Class A rating as installed. If your roof is less than 20 years old and shingled, you’re probably already there.

Metal goes a step further — it earns Class A ratings and the material itself is non-combustible, so it can’t ignite from an ember landing directly on it. That’s a genuine advantage on rural properties with grass-fire exposure, and it’s one of the reasons we recommend it in that situation in our metal versus shingles comparison.

But note what the Camp Fire example shows: a Class A roof with debris on it is not a Class A roof. The rating describes the covering, not the pine needles sitting in the valley. Material choice matters less than maintenance here.

An honest word about your actual risk

Roofing companies have an obvious incentive to make this sound scarier than it is, so let’s be straight.

If you’re in a subdivision in central Waco, Hewitt, or Temple, your wildfire risk is low. Mowed lawns, paved streets, and neighbors on all sides make an ember storm unlikely to find fuel. Clean your gutters because it’s good practice, not because your house is in danger.

If you’re on acreage in Bosque, Coryell, Hill, Falls, or Limestone County — pasture, brush, cedar, a treeline near the house — this is a different conversation. Texas grass fires move fast in these conditions, and rural response times are longer. The five-foot buffer and the vent screens are worth doing this week.

Texas has real history here: the 2011 Bastrop fires, the 2022 Eastland Complex, and the 2024 Smokehouse Creek fire in the Panhandle, the largest in state history. Central Texas is not California, but the physics of embers are the same everywhere.

What to do this week (free, no contractor needed)

Under a burn ban there’s not much yard work you can do. These are all allowed, and all worth doing:

  • Clear your gutters. Dry leaves at the roof edge are the single most fixable ignition risk on the house.
  • Clear valleys and roof debris. Especially where a roof plane meets a wall, and anywhere leaves pile up. Under solar panels too.
  • Check your vent screens. If you can see quarter-inch mesh or open vents, upgrade to one-eighth-inch metal mesh. It’s an afternoon and under $50 in materials.
  • Clear the first five feet. Move firewood, mulch, and patio furniture away from the walls.
  • Look under the deck. Accumulated leaves under a deck are a classic ignition point.
  • Don’t get on the roof in 100-degree heat. Seriously. If it’s not safe to walk it, call someone or wait for a cooler morning.

If you’d rather not climb up there, we’ll do a free inspection and tell you what we see — including whether anything actually needs doing.

Frequently Asked Questions

Are metal roofs more fire resistant than shingles? Both can carry a Class A fire rating, which is the highest under ASTM E108 and UL 790. The difference is that metal is non-combustible as a material, so it cannot ignite from an ember landing on it, while asphalt shingles achieve their rating as a tested assembly. For rural properties with grass or brush exposure, that distinction is meaningful.

Do asphalt shingles have a fire rating? Yes. Modern fiberglass-mat asphalt shingles typically carry a Class A fire rating as installed, the highest classification available. Older organic-mat shingles and untreated wood shakes do not perform as well.

What actually causes homes to burn in a wildfire? Wind-blown embers, in the large majority of cases — not direct contact with the flame front. Embers can travel more than a mile ahead of a fire and land by the thousands per square foot. They ignite debris in gutters and roof valleys, or enter attics through vents.

How do I protect my roof from wildfire embers? Keep gutters and roof valleys clear of leaves and debris, screen attic and soffit vents with one-eighth-inch metal mesh, and maintain a noncombustible buffer in the first five feet around the house. IBHS research found that buffer alone cuts a home’s ignition risk roughly in half.

Does a fire-resistant roof lower my insurance? Sometimes, though it varies by carrier and is far less standardized in Texas than the impact-resistant hail credits. Texas has a defined credit structure for Class 4 impact-rated roofing, explained in our guide to the Class 4 discount. Ask your agent specifically about fire-rating credits.

Can I burn brush during a burn ban? No. Burn bans prohibit outdoor burning, and violations carry fines. Negligently starting a wildfire that causes injury or property damage can bring criminal charges. Check the Texas A&M Forest Service burn ban map for your county’s current status.

We’ll take a look

Montgomery Roofing has worked Central Texas roofs from Lorena since 1995. If you want someone to check your gutters, valleys, and vents before conditions get worse, we’ll come out and look at no cost — and we’ll tell you honestly if there’s nothing to do for fire resistant roofing in Central Texas.

Call 254-655-1024 to schedule a free inspection.

Serving Waco, Lorena, Woodway, Hewitt, Robinson, Temple, Belton, Killeen, Gatesville, Hillsboro, China Spring, and surrounding communities across McLennan, Bell, Coryell, Falls, Hill, Bosque, Limestone, Travis, Williamson, and Hays counties.

Standing Seam vs. Exposed Fastener: Which Metal Roof Lasts Longer in Texas?

standing seam vs exposed fastener metal roof

Short answer: A concealed-fastener standing seam roof lasts 40 to 70 years. An exposed-fastener panel roof — R-panel, corrugated, screw-down — lasts 20 to 35. Same metal, same coatings, roughly half the lifespan. The difference is not the steel. It is the several hundred rubber washers holding one of them down, and what months of Central Texas thermal cycling do to them.

If you are getting metal roof quotes and one is dramatically cheaper than the others, this is almost always why. It’s standing seam vs exposed fastener metal roof: They are not the same product.

Why the lifespan gap exists

Exposed-fastener systems run screws through the face of the panel into the deck. Each screw has a rubber (EPDM) washer that compresses to seal the hole. On a typical house that is several hundred to a couple thousand individual seals, each one a potential leak.

Two forces work against them. UV degrades exposed rubber. Thermal movement works the screws loose — metal expands and contracts with temperature, but the panel is pinned rigidly to the deck, so the movement has nowhere to go except against the fastener. Central Texas supplies both forces relentlessly: Waco logged 90 days at or above 100°F in 2011, including 44 consecutive, with overnight lows 25–30 degrees below the afternoon high.

Expect fastener service — re-torquing, washer replacement, resealing — somewhere in the 10-to-20-year window. That is a maintenance cost, not a defect.

Standing seam systems hide the fasteners. Panels attach to the deck with concealed clips and lock together at raised vertical seams. Nothing penetrates the water plane in the field of the roof. Critically, the panel is designed to float — two-piece expansion clips let it slide as it expands and contracts, so thermal movement is accommodated instead of fought.

That is the whole 50-year difference in one sentence: standing seam moves, screw-down does not.

Not all standing seam is the same either

Within standing seam there are three profiles, and the distinction is genuinely functional — not upselling.

Profile How it joins Minimum pitch Best for
Nail strip / fastener flange Pinned through a flange to the deck ~3:12 Cheapest standing seam; most prone to oil canning; panel lengths usually capped around 25 ft
Snap-lock Male and female legs snap together over clips ~2:12–3:12 The residential default; good balance of cost and performance
Mechanically seamed Seam is folded closed with a seaming machine (90° single lock or 180° double lock) ~0.5:12–1:12 Low slopes, porch roofs, harsh exposure; the most weathertight

For most Central Texas homes with normal pitch, snap-lock over two-piece expansion clips is the right specification. Mechanical seaming earns its extra cost on low-slope sections — porches, additions, and dormers where water moves slowly.

What actually fails on a metal roof

The panel almost never fails. Here is what does, in rough order of frequency:

  1. Pipe boots and penetration flashings. Rubber boots around plumbing vents are the shortest-lived component on any roof. Plan on replacing them mid-life.
  2. Sealants at transitions. Headwalls, sidewalls, and chimney flashings rely on sealant that has a service life shorter than the roof.
  3. Fastener washers — on exposed-fastener systems specifically.
  4. Panels pinned at both ends. An installation error. If a panel cannot move, it will oil-can, buckle, or tear at the fastener.
  5. Trapped moisture from the wrong underlayment. Condensation against the back of the metal corrodes it from the inside out.

Which is the real point: the panel may be rated for 50 years, but the installation decides whether you get 50 or 25. A poorly installed metal roof can fail in 15 years without the metal ever rusting through.

Specifying it right for Central Texas

Gauge: 24, not 26 or 29. Lower numbers are thicker. 24-gauge resists denting and oil canning noticeably better — worth the upgrade in hail country. Thin 29-gauge agricultural panel belongs on a barn.

Substrate: Galvalume-coated steel. Galvalume is roughly 55% aluminum and 43.5% zinc over a steel core — the aluminum resists oxidation, the zinc gives sacrificial protection at cut edges and scratches. AZ50 and AZ55 designate coating thickness; AZ55 is the more protective. Aluminum is the coastal answer and you do not need to pay for it in McLennan County.

Coating: PVDF (Kynar 500 / Hylar 5000), not SMP. This is where inland Texas roofs are actually won or lost, because our failure mode is sun, not salt. PVDF paint warranties typically run 30–40 years for film adhesion with roughly 30 years of chalk-and-fade coverage. SMP warranties generally do not exceed 20 years for adhesion and 10 for color. Over 230 sunny days a year, that gap shows.

Clips: two-piece expansion, not fixed. Fixed clips are cheaper and acceptable on short panel runs. On long runs in a climate with our temperature swings, they are a false economy.

Ask about oil canning up front. Oil canning is visible waviness in the flat area of a panel — a cosmetic characteristic of light-gauge metal, not a defect. Thicker gauge, striations or pencil ribs in the pan, and proper clips all reduce it. A contractor who tells you it never happens is either inexperienced or not being straight with you.

Pricing for each of these systems is broken out on our Central Texas metal roof pricing page, and the impact rating matters for your premium — see Class 4 ratings and your insurance.

When exposed-fastener is the right answer

It genuinely is, sometimes:

  • Barns, shops, and outbuildings. No reason to pay standing seam prices.
  • Firm budget where the alternative is deferring the roof entirely. A well-installed R-panel roof beats a failing shingle roof.
  • Simple, large, uninterrupted planes where the fastener count per square foot is low and access for future service is easy.

Just price it honestly against its real service life. At 25 years, an exposed-fastener roof is competing with architectural shingles — not with standing seam.

Frequently Asked Questions

How long does a metal roof last in Texas?

A concealed-fastener standing seam roof in 24-gauge Galvalume with a PVDF finish lasts 40 to 70 years. Exposed-fastener panel systems last 20 to 35 years, because the rubber washers on the screws degrade under UV and thermal cycling. Aluminum lasts 40 to 60 years; copper and zinc exceed 70.

What is the difference between standing seam and exposed-fastener metal roofing?

Standing seam attaches with concealed clips and interlocking raised seams, with no fasteners penetrating the water plane, and allows the panel to move with temperature. Exposed-fastener panels are screwed through the face of the panel into the deck, with a rubber washer sealing each hole. Standing seam costs more and lasts roughly twice as long.

What gauge metal roof is best for Texas hail?

24-gauge is the practical recommendation for residential roofs in hail-prone areas. It resists denting and oil canning better than 26- or 29-gauge. Textured or ribbed pan profiles also help conceal minor denting.

Is snap-lock or mechanically seamed better?

Snap-lock suits most residential roofs with a pitch of roughly 2:12 or 3:12 and above, and costs less to install. Mechanically seamed panels are folded closed with a seaming machine and are required for low-slope applications, generally down to 0.5:12 to 1:12, and preferred in harsh exposure.

Do exposed-fastener metal roofs leak?

Not inherently, but every screw is a potential leak point, and there can be well over a thousand on a house. The rubber washers degrade under UV and loosen with thermal movement, so screw-down roofs typically need fastener service somewhere between years 10 and 20.

What is oil canning on a metal roof?

Oil canning is visible waviness or distortion in the flat portion of a metal panel. It is an inherent cosmetic characteristic of light-gauge metal, not a structural defect. Thicker gauge, striations or pencil ribs in the panel pan, and expansion clips that allow thermal movement all reduce it.

Get it specified right the first time

The panel is the easy part. The clips, coating, gauge, underlayment, and flashing details are what determine whether you get 25 years or 60. We will walk you through the actual specification for your roof — pitch, geometry, and all.

Call 254-655-1024 or schedule a free inspection. Montgomery Roofing has served Greater Central Texas from Lorena since 1995.

Metal Roof vs. Shingles in Central Texas: An Honest Comparison

shingles vs. metal roof

Short answer: Asphalt shingles cost less than half as much upfront and are the right call if you are selling within about seven years. Metal costs two to three times more, lasts two to three times longer, and wins if you plan to stay 15+ years — especially if you are tired of the hail-claim-and-replace cycle. Neither is universally “better.” They are different purchases.

Most comparisons you will find online are written to sell one material. This one is not. Here is how the two actually stack up on a Central Texas roof, where the deciding factors are UV, thermal cycling, and hail — in that order of frequency, and reverse order of expense.

The comparison, dimension by dimension

Architectural shingles Standing seam metal
Installed cost (Central TX, 2026) $5.75 – $8.25 / sq ft $10 – $16 / sq ft
Realistic service life here 18 – 25 years 40 – 70 years
Wind rating 110 mph typical; 130–150 mph on premium products with correct nailing Commonly engineered to 110–140 mph; higher with enhanced clip spacing
Hail performance Cracks and loses granules; Class 4 versions available Dents without cracking; Class 4 available
Fire Class A (fiberglass mat) Class A, and the material itself is non-combustible
Weight Substantially heavier Light enough to often install over one existing layer
Solar reflectance Low; absorbs heat High with a cool-rated PVDF finish
Maintenance Minimal until failure Periodic sealant, boot, and flashing checks
End of life Landfill Fully recyclable

Full pricing detail, including exposed-fastener and metal shingle systems, lives on our metal roof cost in Central Texas page.

Where the Central Texas climate actually decides it

Three stressors matter here, and they do not hit both materials the same way.

UV. Waco averages roughly 230 sunny days a year. Asphalt shingles are a petroleum product with a granule layer whose entire job is shielding the asphalt from ultraviolet light. As granules shed, the mat below oxidizes, hardens, and gets brittle. Metal does not oxidize under UV — the paint system fades, which is a cosmetic timeline (30-plus years on a PVDF finish), not a structural one.

Thermal cycling. This is the underrated one. Central Texas gives roofs 100°F afternoons and 70s overnight for months at a stretch — Waco recorded 90 days at or above 100°F in 2011, including 44 consecutive days from June 30 to August 12. Every cycle expands and contracts the roof. Asphalt shingles absorb that as cumulative fatigue in the mat and at the nail line. Metal handles it too — but only if the system was designed to move, which is a real distinction between metal systems and something we cover in standing seam vs. exposed-fastener metal roofing.

Hail. Texas leads the nation in hail events. The failure modes are completely different: hail cracks shingles, and hail dents metal. A cracked shingle stops being a water barrier. A dented panel keeps working. That is the whole case for metal in hail country — and it is also why the insurance side has a wrinkle worth understanding before you buy.

The insurance angle cuts both ways

Texas has required carriers to offer credits for UL 2218 impact-resistant roofing since 1998, and Class 4 earns the highest credit. Both Class 4 shingles and Class 4 metal qualify.

But here is the part that surprises people: because hail dents metal without breaching it, metal roofs are the material most exposed to cosmetic damage exclusions — policy endorsements that decline to pay for hail damage that changes how the roof looks but not how it works. If you are leaning metal specifically for hail resistance, read our breakdown of the Class 4 roof insurance discount in Texas before you sign anything. It is the single most common expensive surprise we see.

Two myths worth clearing up

“Metal roofs are loud in the rain.” That reputation comes from barns — panels screwed to open purlins with nothing underneath. A residential metal roof sits on solid decking over underlayment with insulated attic space below. Sound levels are comparable to shingles.

“Metal roofs attract lightning.” They do not. Metal is non-combustible and conductive, which makes it marginally safer than combustible roofing if a strike happens.

So which one is right for your house?

If this describes you Choose
Selling within 5–7 years Shingles
Budget is firm and non-negotiable Shingles
Complex roof — many valleys, dormers, skylights Shingles (metal fabrication costs climb fast)
Staying 15+ years Metal
Third roof in 20 years, done with claims Metal
Simple gable or hip, long runs Metal (best cost per square foot)
Rural property, grass-fire exposure Metal
Carrier will not drop the cosmetic exclusion, and that bothers you Class 4 shingles

The honest summary: shingles are the correct financial answer for a shorter hold, and metal is the correct financial answer for a long one. The crossover sits around the 15-year mark, and it moves earlier every time hail takes out another shingle roof.

Frequently Asked Questions

Is a metal roof better than shingles in Texas?

Metal outperforms shingles on lifespan, hail resistance, wind resistance, and energy reflectance, and costs two to three times more upfront. Shingles are the better financial choice for homeowners selling within about seven years or working with a firm budget. Neither is universally better.

Do metal roofs increase or decrease home value in Central Texas?

A new roof helps at resale regardless of material, but inland Texas buyers rarely pay a full premium for metal specifically. National cost-versus-value data shows roof replacement recouping roughly 50–65% depending on material. The financial case for metal comes from service life and avoided claims, not resale.

Can you put a metal roof over existing shingles?

Often yes, and it can save $2,000–$4,000 in tear-off and disposal. It depends on decking condition, local code, and manufacturer requirements — which is a determination for a roof inspection, not a phone quote.

Which holds up better in hail, Class 4 shingles or metal?

Both carry the same UL 2218 Class 4 rating, but they fail differently. Class 4 shingles resist cracking; metal resists puncture but will dent. If dents would bother you and your policy has a cosmetic exclusion, Class 4 shingles may be the more practical hail choice.

How long do shingles actually last in Central Texas?

Manufacturer ratings of 25–30 years assume milder climates. In Central Texas, with sustained UV, months of daily thermal cycling, and periodic hail, 18–25 years is a more realistic planning range for architectural shingles.

Get both numbers for your roof

The fastest way to settle this is to see the two quotes side by side for your actual square footage and roof geometry. We will measure, inspect the decking, and price both — no obligation.

Call 254-655-1024 or schedule a free inspection. Montgomery Roofing has served Greater Central Texas from Lorena since 1995.

Class 4 Roof Insurance Discount in Texas: What It’s Actually Worth

Class 4 roof insurance discount Texas

Short answer: Texas has required insurers to offer credits for UL 2218 impact-resistant roofing since 1998, and Class 4 roof insurance discount Texas earn the largest credit. But the Texas Department of Insurance does not set the amount; each carrier does, and real-world credits typically run 10–35% off the dwelling portion of your premium. Many carriers attach Endorsement HO-145, which excludes cosmetic hail damage. Getting the credit without understanding that trade-off is how homeowners end up with a hail-resistant roof and no hail coverage.

Why this is worth real money in Central Texas

The Texas Department of Insurance reports the average annual Texas homeowners premium at $3,291, across more than 8.1 million active policies and 158 companies. Independent estimates for 2026 put typical Texas premiums between roughly $3,300 and $4,900.

It got there fast. Federal Reserve Bank of Dallas analysis found the median Texas homeowner paid 60% more for home insurance in 2024 than in 2019 — double the national increase of 30% over the same period. The pace has cooled: TDI data shows homeowners premium growth slowing from 18.7% in 2024 to 4.3% in 2025.

A 20% credit on the dwelling portion of a $3,300 premium is not a rounding error. Over a 40-year metal roof, it is real money — and it compounds with the claims you do not file.

How the credit actually works

The rating comes from a lab test, not a salesperson. UL 2218 grades roof coverings Class 1 through 4 by dropping a two-inch steel ball from 20 feet onto the material. To earn Class 4, the covering must show no tearing, cracking, splitting, or rupture. FM 4473 is an accepted alternative that fires ice balls instead. Class 4 is the top rating under both.

Class 4 is a product certification, not a material category. This trips people up constantly: not every metal roof is Class 4. The rating belongs to a specific tested and labeled assembly — panel, gauge, coating, underlayment, and deck. UL does not recognize a panel as Class 4 unless it carries the label. Ask for the manufacturer’s UL 2218 test documentation for the exact system being quoted, not a general claim that “metal is Class 4.”

TDI does not set the discount amount. The department is explicit on its roofing credits page: the amount of discount for each class of roofing material is established by the insurance company, company by company. Each carrier also decides which test criteria it accepts and what paperwork it requires. Anyone promising you a specific percentage before you have talked to your carrier is guessing.

The HO-145 catch

In the same 1998 order that created mandatory roof covering credits for UL 2218 metal roofing, the Commissioner of Insurance also adopted Endorsement HO-145, “Exclusion of Cosmetic Damage to Roof Coverings Caused by Hail,” for attachment to policies receiving those credits. Texas was first in the nation on both counts.

Here is why it matters more for metal than for anything else.

UL 2218 measures cracking and rupture. It does not measure denting. A Class 4 metal panel passes the test by not splitting — it can dent freely and still pass. That is by design; the dent is the panel absorbing energy instead of failing. So the performance characteristic that makes metal excellent in hail is exactly the damage profile a cosmetic exclusion is written to exclude.

Recent analysis of Texas carrier filings found the cosmetic exclusion built into a majority of them. And it usually is not on the declarations page in plain language — it is in the endorsement list, and most homeowners meet it for the first time at claim time.

This is not an argument against metal. It is an argument for reading your policy before the roof goes on, while you still have leverage to shop carriers. If you are still weighing materials, see our metal vs. shingles comparison.

The other thing hiding on your declarations page

Separate from the credit and separate from the exclusion: most Texas policies now carry a wind and hail deductible expressed as a percentage of your dwelling limit rather than a flat dollar amount. Typically 1–2%, sometimes higher.

On a home insured for $400,000, a 2% wind/hail deductible means you pay the first $8,000 of any hail claim. That number reshapes the entire metal-versus-shingles calculation, because a roof that does not generate claims is worth considerably more when each claim starts with an $8,000 bill.

Check three things on your declarations page: the dwelling limit, the wind/hail deductible and whether it is flat or percentage, and the full endorsement list.

How to actually claim the credit

  1. Confirm the rating before installation. Get the manufacturer’s UL 2218 Class 4 documentation for the specific system, gauge, and assembly being installed.
  2. Have your contractor complete TDI Form PC068 — the Impact-Resistant Roofing Installation Form. Most carriers require it as proof. We complete it for every qualifying system we install.
  3. Submit it to your agent, not just your carrier’s app. Ask for written confirmation of the credit amount.
  4. Ask directly whether HO-145 or any cosmetic damage exclusion is required to receive it, and what the premium difference is without it. Sometimes it is small.
  5. Verify it on your next declarations page. Credits are frequently processed at renewal rather than mid-term. If it has not appeared within 60 days, escalate.
  6. Re-shop the whole policy. A new Class 4 roof makes you a better risk to every carrier in Texas, not just your current one. This is the best leverage you will have for years.

Five questions for your agent

Copy these into an email:

  1. What credit will a UL 2218 Class 4 roof earn on my dwelling premium, in dollars?
  2. Is Endorsement HO-145 or any cosmetic damage exclusion required to receive that credit?
  3. What is my wind/hail deductible — flat dollar or a percentage of dwelling limit?
  4. Is my roof coverage replacement cost or actual cash value, and does that change with roof age?
  5. Do you need TDI Form PC068, and does the credit apply at installation or at renewal?

Frequently Asked Questions

How much is the Class 4 roof insurance discount in Texas?

Texas requires carriers to offer credits for UL 2218 impact-resistant roofing, with Class 4 receiving the highest credit, but the Texas Department of Insurance does not set the amount. Each insurer establishes it company by company. Real-world credits commonly run 10–35% off the dwelling coverage portion of the premium.

Does a metal roof qualify for the Class 4 discount in Texas?

Only if the specific product is tested and labeled to UL 2218 Class 4. The rating belongs to a tested assembly, not to metal as a material. Request the manufacturer’s UL 2218 documentation for the exact panel, gauge, and underlayment being installed.

What is Endorsement HO-145 in Texas?

HO-145 is a Texas Department of Insurance endorsement titled “Exclusion of Cosmetic Damage to Roof Coverings Caused by Hail,” adopted in 1998 alongside the impact-resistant roofing credits. It removes coverage for hail damage that affects the roof’s appearance but not its function. Many carriers attach it to policies receiving impact-resistant credits.

Will insurance pay to replace a dented metal roof in Texas?

It depends on your policy. If a cosmetic damage exclusion applies, a dented but watertight metal roof may not be covered, because the damage does not impair function. Dents near seams, fasteners, or coatings can sometimes support a functional damage argument. Check your endorsement list before you need to know.

What is TDI Form PC068?

It is the Texas Department of Insurance Impact-Resistant Roofing Installation Form. Your roofing contractor completes it to document that the installed roof covering meets UL 2218 impact resistance criteria, and you submit it to your agent as proof for the premium credit.

Do Class 4 shingles get the same discount as Class 4 metal?

Generally yes — the credit is tied to the UL 2218 classification, not the material. The practical difference is exposure to cosmetic exclusions, which affects metal roofs far more than shingles because hail dents metal without cracking it.

We handle the paperwork

Montgomery Roofing installs UL 2218 Class 4 systems across Greater Central Texas and completes TDI Form PC068 for every qualifying installation. We will also tell you honestly which system your carrier is most likely to credit.

Call 254-655-1024 or schedule a free inspection. See also: what a metal roof costs in Central Texas.

This article is general information, not insurance advice. Coverage terms, credits, and endorsements vary by carrier and policy — confirm specifics with your licensed agent.