Frequently Asked
Questions.

Absolutely. If asphalt shingles are the right fit for your budget and project, we can make it work and we'll do it right. We work with Owens Corning, which we consider the best asphalt shingle product for Colorado's climate. Their Duration series, WeatherGuard HP, and TruDefinition lines offer strong impact resistance ratings, StormGuard underlayment compatibility, and warranty structures that hold up in Colorado's hail exposure and freeze-thaw cycles. That said: if you're already replacing a roof, it's worth a conversation about permanent alternatives. The cost difference over a lifetime is smaller than most people expect.

We do not work directly with insurance claims. We are a retail contractor. We bid projects at full retail prices, not at insurance replacement cost or adjuster-approved values. If you have a hail or storm claim and want genuine permanent roofing installed correctly (not the cheapest shingle that qualifies as a code-compliant replacement), we are happy to bid your project as a retail engagement. You pay retail; you get a permanent roof with a real lifespan. We do not navigate the insurance supplementing process, manage adjuster negotiations, or structure contracts around insurance proceeds. That is not our business model and we are transparent about it.

Submit an inquiry through our contact form. We review every submission personally and respond directly. No call center, no automated follow-up. We will ask for your project details, location, and timeline, then schedule a site visit. We do not give estimates over the phone without seeing the building. For specialty roofing systems, the site-specific factors (structural capacity, existing substrate condition, roof geometry, pitch, access constraints, and local code jurisdiction) are material inputs to the price. A phone number and a square footage figure is not enough information to quote a slate roof or a standing seam metal system responsibly.

Installation timelines vary significantly by system and project size. A standard residential standing seam metal roof on a straightforward geometry typically takes 5–10 working days. Natural slate and tile run longer: 2–4 weeks for a typical residential project, more for complex geometry, high pitch, or large square footage. Stone-coated steel runs similar to metal: 5–10 days for most residential projects. Synthetic systems install at roughly the same pace as a quality shingle and are often the fastest permanent option. Weather windows in Colorado add variability, particularly in mountain communities where afternoon summer thunderstorms are a near-daily event. We build weather contingency into every project schedule and communicate it transparently before the contract is signed.

Yes, with terms that vary by system and manufacturer. Standing seam metal systems carry manufacturer paint warranties of 25–40 years (PVDF/Kynar coatings at the high end) and substrate warranties in the same range depending on gauge and panel manufacturer. Tile manufacturers typically offer 50-year limited product warranties. Natural slate carries no product warranty in the conventional sense. The stone itself is geologically stable and does not fail; what we warrant is installation quality, and we recommend periodic flashing and fastener inspection every 15–20 years. Synthetic roofing products in our specification range (DaVinci Roofscapes, F-Wave, Brava, Euroshield) carry 50-year limited warranties. We provide the specific warranty documentation for every system we are bidding before a contract is signed.

Yes. Old Century Roof holds active Colorado contractor licensing for residential and commercial roofing. We carry general liability insurance and workers' compensation coverage appropriate to the scope of work we perform. Certificates of insurance are available on request. We typically include them in the initial project package without being asked. If a general contractor, HOA, or property manager requires additional insured endorsements or specific policy limits, contact us directly and we will accommodate standard commercial requirements.

For hail resistance, stone-coated steel and Class 4-rated synthetic products are the strongest overall performers given the combination of impact resistance, weight, and cost. Both carry the UL 2218 Class 4 rating, the highest available, which tests a 2-inch steel ball dropped from 20 feet with no cracking, splitting, or breach. Natural S1-grade slate is also extremely hail-resistant due to its dense geological composition. Among synthetics, Euroshield's recycled rubber composition is particularly effective because rubber's elasticity absorbs impact energy rather than transferring it. For homeowners in the Front Range hail corridor (Colorado Springs through Denver and north to Fort Collins), Class 4 specification is the baseline. Beyond performance, Class 4 products frequently qualify for insurance premium discounts of 20–30% on Colorado policies, which makes the premium cost of better materials a substantially different economic calculation than the sticker price suggests.

Mountain applications bring specific demands: high altitude, heavy snow loads, extreme freeze-thaw cycling, and architectural expectations that don't exist on the Front Range. For those conditions, natural S1-grade slate and concealed-fastener standing seam metal are the benchmark choices. Natural slate is unaffected by altitude UV, freeze-thaw cycling (at S1 grade, absorption is below 0.35% by weight), or hail. Standing seam metal handles thermal movement correctly through its floating clip attachment system and carries excellent wind uplift and snow load ratings. Both materials have 50–100+ year track records in alpine environments globally. Stone-coated steel is also an excellent mountain choice: Class 4 rated, lightweight relative to tile or slate, and well-proven in high-altitude hail markets. The right system depends on the structure's load capacity, HOA or design review board requirements, and the owner's long-term goals for the property.

A properly installed concealed-fastener standing seam metal roof should last 50–70 years in Colorado conditions with minimal maintenance. The key phrase is properly installed. The floating clip system that accommodates thermal movement must be correctly engineered for the specific panel length and the temperature range of the installation site. At 8,000 feet altitude, that temperature range can exceed 100°F across a year, which makes clip selection and fastener pattern more consequential than at sea level. Galvalume steel panels with Kynar (PVDF) paint coatings carry 40-year paint warranties and substrate warranties that run 25–40 years depending on gauge and coating. Copper and zinc panels are effectively indefinite in lifespan with proper installation. The limiting factor becomes the flashings and fasteners, not the panels themselves.

Possibly. Structural capacity assessment is standard on every slate project we bid. Natural slate runs 7–10 lbs per square foot depending on thickness and grade; most Colorado residential construction built after 1975 was engineered for asphalt at 2–3 lbs/sq ft. The structural analysis looks at rafter or truss span, rafter depth and spacing, ridge and hip framing, and bearing wall capacity. In our experience, approximately half of residential bids involving slate require some level of structural reinforcement. In many cases the work is modest: sistering rafters, adding collar ties, reinforcing ridge framing. If a structure cannot support slate economically, DaVinci Roofscapes and similar premium synthetic slate products are a strong alternative: they replicate the visual profile convincingly, carry 50-year warranties and Class 4 impact ratings, and weigh 5–8 lbs/sq ft or less. A meaningful structural advantage.

The distinction is how the panel attaches to the substrate. That single design decision determines lifespan, maintenance requirements, and appropriate applications. Standing seam uses a concealed clip inside the raised seam. The clip is hidden from weather and the panel slides through it as it expands and contracts thermally. No fastener ever penetrates the panel face. Exposed fastener (screw-down) metal roofing uses mechanical fasteners that go through the face of the panel. Every one of those penetrations is a potential future leak point as the neoprene washer compresses, cracks, and allows moisture infiltration with thermal cycling. Standing seam systems typically last 50–70 years; exposed fastener systems 20–40 years with active maintenance. Standing seam typically costs 30–50% more in material and labor. Both are substantially more durable than asphalt. They are simply different products at different price and longevity points.

Quality synthetic roofing products are engineered polymer composites: typically polypropylene, polyethylene, or TPO-based compounds with UV stabilizers, colorants, and impact modifiers cast or extruded into profiles that replicate natural slate, cedar shake, or tile. The specific formulations are proprietary and vary significantly between manufacturers. The UL test certifications and warranty terms are more useful buying criteria than materials claims. What matters from a performance standpoint: Class 4 UL 2218 impact rating (standard in all products we specify), Class A fire rating, UV color stability (ask for documented fade performance), and cold-temperature brittleness resistance (relevant in Colorado winters at altitude). Products like F-Wave, DaVinci Roofscapes, Brava Roof Tile, and CeDUR meet all of these criteria. Euroshield is a different category: recycled rubber rather than polymer composite, which gives it different impact characteristics that are particularly suited to Colorado's hail environment.

A solar-integrated roof (technically building-integrated photovoltaics, or BIPV) replaces the roof covering itself with photovoltaic modules. There is no separate roofing material beneath the solar elements; the modules are the roof. Conventional rack-mounted solar places panels on a frame above an existing roof: creating penetrations at every attachment point, a secondary maintenance system, and a roof-within-a-roof where the underlying material continues to age independently beneath the panels. In a BIPV system, the photovoltaic elements are the primary weatherization layer. A single warranty covers both power production and weatherproofing. The Tesla Solar Roof is the most widely known BIPV product. The practical advantage over rack-mounted: no below-module penetrations, no dual aging systems, better aesthetics for properties with HOA or design review constraints. The primary trade-off is typically higher installed cost and more limited installer network.

You need a structural assessment before committing to either system. We include this evaluation as a standard step in any tile or slate bid. Tile runs 6–12 lbs/sq ft depending on profile; natural slate 7–10 lbs/sq ft. Most post-1975 Colorado residential construction was engineered for asphalt at 2–3 lbs/sq ft, a fraction of what tile or slate requires. The assessment examines rafter or truss span and depth, rafter spacing, ridge and hip structure, and bearing wall framing. In approximately half of residential tile and slate projects we bid, some level of structural reinforcement is needed, ranging from minimal (adding collar ties or sistering a few rafters) to significant (full rafter replacement on undersized framing). We quantify the reinforcement cost as part of the bid. If the structural cost makes tile or slate impractical, quality synthetic alternatives provide comparable visual results at 1.4–5 lbs/sq ft.

At altitude, the relevant environmental forces are: elevated UV radiation (approximately 20–25% more intense at 6,000 feet than at sea level), extreme temperature swings (100°F+ seasonal ranges are common in the high country), aggressive freeze-thaw cycling, significant snow load, and high-wind events. Materials that perform best at altitude are those unaffected by UV (stone, metal, quality polymer composites), engineered for thermal movement (metal with floating clip attachment; polymers with documented thermal coefficient), and essentially non-water-absorbent (critical for freeze-thaw resistance). Asphalt performs worst at altitude. UV oxidation is faster, freeze-thaw cycling shortens the useful life, and hail events that might leave a lower-altitude asphalt roof cosmetically damaged will puncture granule coverage at altitude where UV has already accelerated oxidation. Our standard recommendation for altitude: if the structure can support it, natural slate or standing seam metal. If weight is a constraint, stone-coated steel or premium synthetic.

Stone-coated steel, natural S1-grade slate, and Class 4-rated synthetic products are the top performers in Colorado hail conditions, each for different reasons. Stone-coated steel carries UL 2218 Class 4 certification and has decades of Colorado installation history specifically in high-hail markets. Natural slate withstands hail impact due to its dense geological composition. Properly graded S1 slate is not penetrated by hail at the sizes Colorado typically produces. Among synthetics, Euroshield's recycled rubber composition is particularly well-suited to hail because rubber absorbs impact energy rather than transferring it through the panel. The Front Range hail corridor is statistically among the most active in the United States. Class 4 specification is the performance baseline there and also the threshold for insurance premium discounts that can offset 20–30% of the dwelling premium on many Colorado policies.

Class 4 is the highest impact resistance rating under UL 2218, the standard testing protocol for roofing products. The test procedure drops a 2-inch diameter steel ball from 20 feet, calibrated to simulate large hail impact forces. The product must show no cracking, fracturing, splitting, or functional breach after four impacts at each of four locations. Colorado is consistently ranked among the most hail-active states in the country; the Front Range from Colorado Springs through Denver sees multiple significant hail events annually, with storms producing 2-inch hail or larger several times per decade. Class 4 rated roofing products qualify for insurance premium discounts from many Colorado carriers. Discounts typically range 20–30% on the dwelling coverage component and, on the premium levels common in the Front Range, frequently offset the cost premium of the better materials within 3–7 years of installation.

In most cases, yes. The specifics depend on your carrier and policy structure, and must be confirmed before installation. Many Colorado homeowners insurance carriers offer premium discounts for Class 4 UL 2218 rated roofing, typically in the 20–30% range on the dwelling coverage component. Some carriers apply this discount statewide; others focus it on high-hail-frequency counties on the Front Range. A few carriers have shifted to percentage-of-value hail deductibles on Colorado policies. In those cases, the discount on the base premium is meaningful but the deductible structure is the more important conversation with your agent. To qualify, the product must carry an active Class 4 UL 2218 certification and the installation must be documented: permit, product spec sheets, and proof of completion. We provide all documentation required by insurers as part of our standard project closeout package.

Mountain community roofing demands a specific level of expertise driven by three compounding factors: snow load (often 100–150 psf for structural design, and snowpack that can sit on the roof for weeks), architectural design standards (most mountain communities have strict HOA and design review board requirements that specify materials or visual character), and altitude-amplified UV and freeze-thaw exposure. Natural slate and concealed-fastener standing seam metal are the benchmark systems for mountain applications. Both have decades of documented performance in comparable alpine environments globally. Stone-coated steel is also excellent for mountain applications: lightweight relative to tile or slate, Class 4 rated for hail, and proven in high-wind environments. For any mountain community project, we conduct a site-specific structural assessment, verify the design review board's material requirements in writing, and engineer for actual snow load conditions rather than minimum code tables.

Freeze-thaw cycling is one of the primary long-term failure mechanisms for roofing materials at Colorado altitude, and one of the most underestimated. The mechanism: liquid water infiltrates micro-pores, seams, or damaged areas in the roofing material; temperature drops below 32°F; water expands approximately 9% by volume as it freezes, generating internal stress. In the high country, this cycle repeats hundreds of times per year. Materials with significant water absorption fail this cycle progressively: asphalt granule coverage erodes, backer material becomes brittle, and freeze-thaw cycling accelerates the cracks and splits that begin as cosmetic damage. The critical specifications for freeze-thaw resistance: for concrete tile, ASTM C1167 Cycle D compliance (100 freeze-thaw cycles without significant degradation); for natural slate, S1 grade with water absorption below 0.35% by weight; for metal, essentially no concern (steel doesn't absorb water); for synthetics, documented cold-temperature brittleness ratings. Underlayment and flashing system selection matters equally. Most field failures occur at transitions, not in the panel or tile itself.

In Colorado's WUI fire zones, which cover a substantial portion of the Front Range foothills, mountain communities, and expanding suburban interfaces, Class A fire-rated roofing is typically required by local ordinance and increasingly by insurance policy terms. Metal roofing in both standing seam and stone-coated steel form is inherently non-combustible and carries Class A fire ratings across all products we install. Quality synthetic roofing (DaVinci Roofscapes, F-Wave, Brava Roof Tile, Euroshield) all carry Class A fire ratings. Natural slate is non-combustible. The roofing system is one component of a broader defensible space and building hardening strategy: the same fire engineering that specifies Class A roofing also typically addresses ember-resistant vents, non-combustible soffits, and specific setback and vegetation management. We are familiar with Colorado WUI ordinance requirements and specify and document fire resistance accordingly.

Altitude actually improves solar performance in Colorado. That's one of the factors that makes solar-integrated roofing a particularly rational investment in this state. Higher elevation means less atmospheric air mass between the sun and the photovoltaic surface, which reduces scattering and absorption of solar radiation. Solar irradiance at 6,000 feet is measurably higher than at equivalent-latitude sea-level locations. Colorado averages 300 days of sunshine per year at Front Range elevations, and mountain locations at higher altitude typically see even higher irradiance values. The engineering considerations at altitude include panel temperature coefficient (panels are more efficient at lower temperatures, an advantage at elevation where nighttime temperatures remain cool even in summer), and snow shedding design for BIPV module geometry (panel angle, surface texture, and thermal output all affect snow clearing performance in winter).

DECRA is the original stone-coated steel roofing manufacturer, established in New Zealand in 1957 and now one of the most widely installed stone-coated steel systems in the world. The product is a Galvalume steel substrate (a zinc-aluminum alloy coating) with an acrylic adhesive base and ceramic-coated stone chip surface layer. DECRA products carry UL 2218 Class 4 impact ratings and FM4473 wind ratings to 120+ mph. DECRA is now part of the Westlake Royal Building Products family and has one of the strongest Colorado distribution networks in the stone-coated steel category. The installation base here is extensive and well-documented. Profile options include the shake profile (Villa), tile profile (Tile), shingle profile (Shake), and Mediterranean barrel (Villa). For Colorado homeowners in high-hail zones who want a permanent, Class 4 rated system at a weight and cost point below tile, DECRA is typically the first product we present.

Both are stone-coated steel in the Westlake world. DECRA is the long-running name most people know, with a wide profile set and deep installation history. Unified Steel is also Westlake stone-coated steel, with its own profile and color list in the book. We do not treat them as interchangeable on the roof. The right pick is the one that matches the profile, color, and inventory your distributor can get on your timeline. Install follows the manual for whichever system is on the contract.

DaVinci Roofscapes is an American manufacturer of premium synthetic slate and shake roofing products, headquartered in Lenexa, Kansas. Their products are cast from molds taken from actual natural materials, which gives them the most realistic visual replication in the synthetic roofing category. Color variation, shadow depth, surface texture, and dimensional irregularity are all engineered to read as natural stone or cedar shake from street level. DaVinci products carry 50-year limited warranties, UL 2218 Class 4 impact ratings, and Class A fire ratings across the full product line. They are the product we most commonly specify when visual fidelity to natural materials is a primary requirement: HOA neighborhoods with design standards, historic districts with material appearance requirements, or premium properties where the synthetic category needs to clear an aesthetic bar that lower-end products cannot meet. The installed cost is at the higher end of the synthetic range but well below natural slate.

F-Wave is an American-made synthetic roofing shingle manufactured in Fort Worth, Texas, using a proprietary thermoplastic polymer formulation. The product carries UL 2218 Class 4 impact, UL 790 Class A fire, and 130-mph wind ratings with a 50-year limited product warranty and a 5-year labor warranty. F-Wave is one of the newer entries in the premium synthetic category. The company has invested specifically in the performance credential documentation that the segment requires. The installation pattern is compatible with standard roofing tools and familiar nailing patterns, which makes it accessible to a broader installer pool than some specialty products. Weight is approximately 185 lbs per square, heavier than CeDUR's shake profile but lighter than natural slate, and within the structural capacity of most residential construction without reinforcement.

Euroshield is a Calgary, Alberta-based manufacturer of synthetic roofing products made primarily from recycled rubber (specifically post-consumer tires). The rubber composition is the key to its hail performance: rubber's elasticity absorbs impact energy rather than transferring it through the panel, which is why Euroshield's Class 4 performance is achieved through a fundamentally different mechanism than hard polymer or steel products. Beyond hail resistance, recycled rubber provides a significant acoustic benefit that is underappreciated in the Colorado market: hail impact noise inside the structure is substantially reduced compared to metal, tile, or hard synthetic roofing. For mountain locations where summer afternoon hail is a recurring event, the difference in interior noise level during a storm is meaningful. Euroshield carries a 50-year warranty, Class 4 impact, and Class A fire rating, and is manufactured with a high percentage of recycled content.

Ludowici is one of the oldest clay tile manufacturers in the United States, operating continuously since 1888 from New Lexington, Ohio. They manufacture mission, flat, barrel, and custom profiles in American-made fired clay, with a project history that includes some of the most architecturally significant buildings in the country. Ludowici tile is priced above most competing tile manufacturers. The clay quality, glaze consistency, dimensional accuracy, and color stability are the benchmark for the category. For Colorado projects where clay tile is specified as an architectural material rather than selected primarily on cost, Ludowici is typically the quality standard against which other products are evaluated. They also offer custom color matching and special profile fabrication for restoration and historically sensitive projects where stock profiles are insufficient.

Natural slate is graded under ASTM C406 into three categories based on water absorption, modulus of rupture (breaking strength), and depth of softening after accelerated freeze-thaw testing. S1 is the highest grade: it requires water absorption below 0.35% by weight (essentially impermeable), minimal depth of softening after testing, and high breaking strength. S1-grade slate from Vermont and New York quarries carries an estimated service life of 75+ years; historical installations suggest 100–150 years with correct installation and periodic flashing and fastener maintenance. S2 grade is softer and more water-absorbent. Workable in moderate climates but not appropriate for Colorado's altitude, UV exposure, and freeze-thaw cycling. S3 grade is the softest classification with the shortest lifespan and should not be specified for any Colorado project. When we specify natural slate, we specify S1 from Vermont or New York quarries. Grade documentation should be part of any slate bid.

We install products from McElroy Metal, Drexel Metals, Sheffield Metals, PAC-CLAD by Petersen, and ATAS International, among others depending on project requirements. Panel selection is driven by the project's gauge requirements, panel width and seam height, color program, and any architectural constraints or code requirements. For projects where long-term color performance is the priority, PVDF (Kynar/Hylar) coatings from Sheffield Metals and PAC-CLAD carry the best documented fade performance, with typical 40-year paint warranties. For projects with specific snow load or wind uplift engineering requirements, panel gauge and clip attachment spacing are calculated for the actual site conditions. We do not have a default house panel. We recommend the specific product based on what the project requires, and we document that recommendation in writing before a contract is signed.

Westlake Royal Building Products is one of North America's largest manufacturers of exterior building products, formed through the acquisition and consolidation of several previously independent manufacturers. In roofing, the Westlake Royal portfolio includes DECRA stone-coated steel, Boral Roofing's concrete and clay tile lines (now operating under Westlake Royal), NewPoint Concrete Roof Tile, US Tile (American-made clay), and Westlake Royal Roofing Components accessory systems. The practical significance for a homeowner or contractor: the consolidation has created a coordinated product ecosystem where the stone-coated steel profile, the underlayment, and the accessory components are engineered to work together, with consistent quality control and a shared distribution network. For Colorado specifically, Westlake Royal has strong regional distribution infrastructure, which translates to better product availability and faster delivery than some competing systems. We are authorized installers for multiple Westlake Royal product lines.

The cost premium for permanent roofing systems varies substantially by material. As a rough range: stone-coated steel (DECRA, Unified Steel) typically runs 2–3× the installed cost of a mid-grade asphalt shingle replacement. Quality synthetic roofing (DaVinci, F-Wave, Brava) runs 2–4× asphalt depending on product tier. Standing seam metal runs 3–4× asphalt. Tile runs 3–6× asphalt depending on the system and the structural preparation required. Natural slate runs 5–8× asphalt or more on projects that require structural reinforcement. The correct comparison, however, is not purchase price but total cost of ownership across the building's life. Asphalt at a 15–20 year replacement cycle in Colorado requires 3–4 full replacements over the lifespan of a permanent system, each with material, tear-off, disposal, and disruption costs. Most homeowners who run that calculation find the premium for permanent roofing is rational, typically within the first 30–50 years of the building's life.

For most Colorado homeowners who plan to stay in their home long-term, a standing seam metal roof is worth the premium, particularly in the Front Range hail corridor and mountain communities. The financial case: a standing seam roof costs 3–4× an asphalt roof upfront but lasts 50–70 years versus 15–20 years for asphalt. Over a 60-year period, an asphalt roof requires 3–4 full replacements, each with material, tear-off, disposal, and labor. The all-in lifetime cost of serial asphalt replacement often approaches or exceeds the upfront cost of standing seam. Class 4 rated metal roofing also qualifies for insurance premium discounts of 20–30% on many Colorado policies, meaningful on the elevated premiums common in the hail-active Front Range and mountain markets. The break-even analysis typically favors metal in 20–30 years for most Colorado homeowners, and the case strengthens further for properties in hail-intensive zones.

Asphalt shingles in Colorado typically last 15–25 years depending on product quality, altitude, UV exposure, and hail history. At altitude above 6,000 feet, 15–20 years is a more realistic estimate than the 25-year figure often quoted at sea level. By comparison: stone-coated steel is rated 40–70 years; standing seam metal 50–70 years; quality synthetics 50+ years with documented warranty coverage; tile 75–100+ years; natural S1-grade slate 100–150+ years in properly maintained condition. The longevity multiplier is roughly 3–8× depending on the systems being compared. In Colorado specifically, the multiplier is more meaningful than the raw numbers suggest. Hail events that might shorten an asphalt roof's life to 10–12 years in a single storm have minimal effect on Class 4 rated permanent systems. The decision to install permanent roofing is, in part, a decision to exit the storm-damage replacement cycle permanently.

The data on resale value for permanent roofing is directionally positive but project-specific and difficult to quantify precisely. National appraisal literature and remodeling cost-value surveys generally support a 1–5% increase in appraised home value for well-documented permanent roofing systems and improved time-to-sale in competitive markets. In Colorado's premium residential market, particularly mountain communities, high-end Denver neighborhoods, and areas of the Front Range where buyers are sophisticated about construction quality, buyers and their agents specifically flag permanent roofing as a differentiator. More practically: a home with a recently installed natural slate or standing seam roof eliminates one of the largest near-term capital expenditure uncertainties a buyer would otherwise face. In a negotiation, a permanent roof removes a common seller concession. That value is real even when it is difficult to capture precisely in a comparable sales analysis.

Yes, in most cases. The specifics depend on your carrier, policy structure, and Colorado county, and must be confirmed directly with your insurer before installation. Many Colorado homeowners insurance carriers offer premium discounts for Class 4 UL 2218 rated roofing, typically in the range of 20–30% on the dwelling coverage component. Some carriers apply the discount statewide; others apply it specifically in high-hail-frequency counties. A few Colorado carriers have shifted to percentage-of-value hail deductibles rather than flat deductibles on newer policies. In those cases, the Class 4 discount on the base premium is meaningful, but the deductible structure is the more important term to evaluate with your agent. To qualify for the discount, the product must carry an active Class 4 certification and the installation must be documented: a completed permit, manufacturer product spec, and proof of installation. We provide all carrier-required documentation as part of our standard project closeout package.