Will an Impact-Resistant Roof Discount Pay Off in Colorado?

Run your own numbers

Everything below comes from you. There is no pre-filled discount, because discounts are set carrier by carrier and we will not guess yours — get the number from your agent before you commit to the upgrade.

What the published averages imply

Illustrative only. These are two different published estimates about hardening a roof — county averages and a regulator's cost estimate — not a quote for your address and not Class 4 shingle pricing. They are here to show how wide the range is.

• The Colorado Division of Insurance estimates hail mitigation could save consumers an average of $82 to $387 per year across 11 counties.
• Insurance Commissioner Michael Conway cited industry estimates of $3,000 to $5,000 in additional cost to fortify the roof of a 2,000 sq ft home.

Those two divisions are nearly eight times apart, and published averages cannot tell you where in that spread your own house lands. That is exactly why the discount your agent quotes — the number you typed into the calculator above — is the one that decides it.

What hail costs on a Colorado premium, by county

In February 2026 the Colorado Division of Insurance published premium data from 20 carriers representing 80% of the market across 11 counties. Five of those counties are below, spanning the range. The share column is the hail portion divided by the average premium.

All 11 counties are in the Division's hail one-pager. These are county averages across carriers, not your policy. If your quoted discount applies to the wind/hail portion only, this is the column it works on.

Colorado's new roof grant (SB26-155): what exists today

SB26-155 was signed June 4, 2026. It created the Strengthen Colorado Homes Enterprise inside the Division of Insurance to run a roof-hardening grant program, funded by a fee on insurers rather than by taxpayers. Here is the state of it as of October 5, 2026.

• No homeowner application exists yet. The Division's Strengthen Colorado Homes Enterprise page lists board information and meeting materials, and no way for a homeowner to apply.
• The board is still being seated. It has 7 members, chaired by the Insurance Commissioner or the Commissioner's designee. The other 6 were appointed by Governor Polis on September 11, 2026 and are subject to confirmation by the Colorado Senate. The board first met September 24, 2026; its next meeting is October 15, 2026.
• The grants are for a “resilient roof system” — a roof that has obtained a verified wind and hail certification from the Insurance Institute for Business and Home Safety “FORTIFIED” program or a similar science-based, verifiable certification, as determined by the board by rule. Class 4 alone is not that standard, and the board has not made its rule yet.
• Nothing is promised to any homeowner. The act states that nothing in it creates an entitlement for a homeowner to receive grant program money to inspect or retrofit residential property.
• The money starts in 2027. From that calendar year the Enterprise collects a fee from each insurer equal to one-half of one percent of the homeowner premium it collected in Colorado the previous year, and insurers may not surcharge that fee to policyholders. Commissioner Conway told the Colorado Sun that grants could be “in the neighborhood of $7,500 to $10,000” and that the earliest grants would come in 2027. Both are his estimates, not program terms.
• The law requires reporting, not a discount. No sooner than January 1, 2027, and only once the Commissioner adopts rules, insurers writing multiperil homeowner's policies in Colorado must file an annual exhibit listing their policies in force, how many homes have installed a resilient roof system, the discount applied to those homes, and wind and hail claim frequency and severity for homes with and without one (C.R.S. 10-4-405(1.2)). That is a disclosure requirement. The act does not set a discount or require insurers to offer one.

This is a moving target. Check doi.colorado.gov/sche for the current status before you plan around a grant.

Questions homeowners often ask their agent

HailScore™ does not sell insurance or place coverage. Your agent is the only person who can tell you what your carrier will actually do, and these are the questions worth asking before the roof goes on rather than after.

• Ask whether the quoted discount applies to the whole premium or to the wind/hail portion only. This is the single input that moves the calculator above the most, and it is not something you can read off a declarations page.
• Ask what documentation they need for a UL 2218 Class 4 product, and when they need it. Carriers that offer a discount generally ask for evidence of the rated product that was actually installed, and the invoice.
• Ask whether the discount will still be on the policy at renewal, and where it appears. A discount quoted at binding and missing a year later is the common story, and the declarations page is where you would see it.
• Ask how your wind/hail deductible is set. The Division of Insurance notes that many homeowner policies carry wind/hail deductibles set as a percentage of coverage — for example 1%, 2% or 5% — which can matter more to your out-of-pocket cost than the discount does.

Frequently asked questions

How this calculator works

Four lines of arithmetic, run on the numbers you enter and nothing else:

• Annual saving = premium × discount, or premium × hail share × discount when the discount applies to the wind/hail portion only.
• Net upgrade cost = extra cost of Class 4 − any grant or rebate, never below zero.
• Simple payback = net upgrade cost ÷ annual saving. With no saving there is no payback, and the result says so instead of showing a number.
• Total over the horizon = annual saving × years, for 5, 10, 15 or 20 years.

What it deliberately ignores. Inflation, premium increases and any discounting of future dollars — a dollar in year 20 counts the same as a dollar today. It also ignores claims you might avoid, your deductible, the roof's lifespan, resale value, and whether your carrier re-rates or non-renews. Each of those can be worth more than the discount. The point of the calculator is the one question published averages cannot answer: at your quoted discount, how long does the upgrade take to pay for itself?

Nothing you type is sent anywhere. The arithmetic runs in your browser, and the page stores none of it.