Roofing Technology Blog | OneClick Code

Cool Roofs & Class 4 Shingles: The Smart Contractor’s Guide

Written by Melanie Moscoso | 8/22/25 8:39 AM

In today's roofing business, it's not enough to just replace what's there. Homeowners are asking very specific questions about energy efficiency, storm protection, and long-term value. With extreme weather events becoming more common, building codes are evolving, insurance companies are tightening requirements, and the competition is learning new tricks fast.

Two of the most powerful tools you can have in your arsenal?  Cool roof technology and Class 4 impact-resistant shingles. Get these right, and you're not just installing roofs — you're building a reputation as a trusted expert.

Cool Roofs 101: Keeping the Heat Out

A cool roof is designed to reflect more sunlight and absorb less heat. It's all about solar reflectance (how much sunlight bounces off) and thermal emittance (how much heat the surface releases). The higher these numbers, the cooler the roof stays. Cool roofs can be made from:

Cool roofs can be made from:
  • Shingles with reflective granules
  • Metal panels with special coatings
  • Membranes or tiles engineered for reflectivity

Why Homeowners Care:

  • Lower Energy Bills: Less heat in the attic means AC units work less, saving them money.
  • Extended Roof Life: Less thermal stress reduces cracking and aging of the roofing material.
  • Environmental Impact: Reducing urban heat islands and lowering overall energy use.

Codes & Certifications:

To be a professional, you must be a subject matter expert. Familiarize yourself with ENERGY STAR® roofing guidelines, Cool Roof Rating Council (CRRC) product ratings, and any state or city codes that apply. In hot-climate regions like the Southwest, California, and Texas, these are often mandatory.

Pro Tip: Even in cooler climates, cool roofs can be a selling point for metal or flat roofs over garages, porches, or additions where heat buildup is a problem.

Class 4 Shingles 101: Your Best Defense Against Hail

Shingles are rated for impact resistance under UL 2218 testing. Class 4 is the top rating—shingles survive a 2" steel ball dropped from 20 feet without showing visible damage.

Why They're Worth the Upgrade:

  • Hail Protection: Stand up to wind-driven hail and debris, minimizing damage after a storm.
  • Lower Insurance Premiums: Many carriers offer discounts for Class 4 roofs, which is a powerful selling point for homeowners.
  • Fewer Call-Backs: Reduced risk of early roof failure means happier customers and a stronger reputation for your roofing business.

Manufacturers use reinforced mats, modified asphalt, or polymer blends to absorb and deflect impact. Some brands even combine this tech with reflective granules for the double benefits of energy savings and storm resistance.

The Power of Combining Cool + Class 4

When you install shingles that are both highly reflective and highly impact-resistant, you deliver a comprehensive solution. This dual-benefit approach provides:

  • Energy savings from reduced heat absorption.
  • Storm resilience against damaging hail and wind.
  • Long-term curb appeal by preserving the roof's appearance.
  • Strong resale value for the homeowner.

It's a high-ROI choice for the homeowner—and a high-reputation move for you, solidifying your status as a trusted advisor.

Incentives & Rebates

The financial benefits of these roofs often extend beyond the homeowner's utility bill.

  • Many utility companies offer rebates for reflective roofing.
  • Insurance providers in hail-prone states (TX, CO, OK) often give discounts for Class 4 roofs.
  • Some municipalities have building permit fee reductions for cool roof installations.

Installation Best Practices

Executing the install flawlessly is key to delivering on the promises of these advanced roofing materials.

  • Always follow the manufacturer's fastening guidelines to maintain the Class 4 rating and ensure the product performs as intended.
  • For cool roofs, ensure reflective surfaces aren’t compromised during installation.
  • Educate homeowners about light-colored shingle options and how they affect both energy and aesthetics.

Selling the Benefits to Homeowners

When you're with a homeowner, don't just talk about shingles—talk about value.

  • Show the Numbers - show them potential energy savings, insurance discounts, and warranty coverage
  • Share Stories - talk about past customers who avoided major hail damage or saw smaller AC bills
  • Position It as an Investment - frame it as, "This roof pays you back in protection and savings," making it an easy choice
  • Use Visual Aids - CRRC product ratings, ENERGY STAR logos, and before-and-after thermal images

Looking Ahead

Roofing tech is moving fast, from nanotech reflective pigments to self-healing impact-resistant materials. As building codes tighten and climate challenges grow, roofing contractors who stay ahead on cool roof and Class 4 shingle technology will have a clear market advantage. By mastering this technology and leveraging smart data, you position yourself as a trusted advisor, not just a service provider. The more your customers see you as their roofing expert, the more they'll call you first—and recommend you to everyone they know.

 

Ready to become your market's trusted expert? 

Frequently Asked Questions

Q: What is a cool roof, and how does it benefit a homeowner?
A: A cool roof is designed to reflect more sunlight and absorb less heat. This reduces the amount of heat that enters a home, which in turn lowers energy bills by reducing the need for air conditioning. It also helps extend the life of the roof by reducing thermal stress.

Q: Why are Class 4 impact-resistant shingles important for homeowners?
A: Class 4 impact-resistant shingles provide superior protection against severe weather, particularly hail. Many insurance companies offer premium discounts for homes with this type of shingle, and they help reduce the risk of costly damage and frequent call-backs for repairs.

Q: How can I prove to a homeowner that they need the best storm-resistant roof?
A: You can use historical weather data, such as a wind and hail history report, to show a homeowner the frequency and severity of storms in their specific area. This data provides objective evidence to justify the need for an upgrade to a more resilient roofing material.

Q: What incentives are available for installing cool roofs or Class 4 shingles?
A: Homeowners may be eligible for various financial incentives. These can include rebates from local utility companies for cool roofs, insurance premium discounts in hail-prone states for Class 4 shingles, and even potential reductions in building permit fees from certain municipalities.