What Roofing Materials and Wind Ratings Do You Need in Coastal States?

Not all shingles are created equal — and in coastal areas, the difference between a Class 3 and Class 4 shingle can be the difference between a roof that survives a hurricane and one that doesn't.

Minimum standards for coastal roofs

• Wind rating: At minimum 130 mph, ideally 150+ mph for Florida and Gulf Coast
• Impact rating: Class 4 (UL 2218) for hail resistance
• Algae resistance: Important in humid coastal climates

Ask for the product data sheet

The specific product name, manufacturer, and performance specs should appear in your written estimate. "Good architectural shingles" is not a specification — it's a vague promise. Ask for the actual data sheet for the product they plan to install.

Why this matters for insurance

Some Florida insurers offer premium discounts for Class 4 impact-resistant shingles. A contractor who knows their materials will know this — and should mention it.