Class 4 shingles earn a real insurance discount in NM — but only if you can prove they're installed and can prove they're performing. I verify UL 2218 Class 4 rating, package the photos your carrier wants, and score post-hail performance honestly so the discount sticks and the roof is actually doing its job.
UL 2218 Class 4 verification via back-of-shingle stamp
Manufacturer + product-line cross-reference to Class 4 list
Carrier-ready photo packet (stamp, wrapper, field, elevation)
Post-hail performance scoring (bruising, granule loss, mat integrity)
Signed inspector statement for premium discount filing
Written scope if any non-Class 4 substitution is found
Full roof walk with impact-resistance verification focus. Discreet lift of one field shingle to photograph back-of-shingle stamp. Manufacturer + product-line cross-reference against published Class 4 list. Wrapper stamp photo if a bundle remains on-site. Post-hail performance scoring (bruising, mat split, granule loss). Carrier-ready photo packet with elevation, field, and stamp images. Signed inspector statement for premium-discount filing.
NM homeowners with Class 4 shingles wanting the insurance discount. Homeowners after hail wanting to prove the roof performed to spec. Buyers whose seller claims Class 4 without documentation. Agents needing third-party verification for a discount filing. Homeowners suspicious the roofer substituted a non-Class 4 product.
Verbal Walk + Stamp Photo — $149 Standard Class 4 Verification Report — $349 Detailed w/ Post-Hail Performance Score — $549 Insurance Claim / Discount Filing Grade — $900+ Most Class 4 verifications are $349–$549. Insurance premium discounts of 15–35% on wind/hail portion typically recover the fee inside the first year.
Every major NM carrier (State Farm, USAA, Allstate, Farmers, Nationwide, Liberty Mutual, Farm Bureau) accepts a third-party inspection with photos of the shingle brand marking, the UL 2218 Class 4 wrapper stamp when available, and a signed inspector statement. I package all three in the report. Discounts typically run 15–35% on the wind/hail portion of your premium.
Shingle brand and product line are stamped on the back of every shingle. I lift a discreet field shingle in an inconspicuous spot, photograph the stamp, cross-reference the manufacturer's Class 4 product list, and reseal. If the roofer used the correct product, we can prove it. If they substituted a non-Class 4, we catch that too.
Class 4 doesn't mean invincible. It means the shingle passed a 2-inch steel ball drop without splitting on the mat. Granule loss, bruising, and shortened lifespan are still possible in large-hail events. My report scores post-storm performance honestly — sometimes the shingle earned its keep, sometimes the storm exceeded its rating.
Party-wall + shared-roof attribution.
Step, counter, cricket flashing audit.
SMACNA sizing + downspout audit.
Bid + scope compared line-by-line.
I've watched too many neighbors sign contracts they didn't understand for roofs they didn't need. That stops with a written report they own.