Duration STORM Class 4 insurance discount guide, Colorado Springs. Printed from homeyroofing.com/guides/duration-storm-class-4-discount-colorado-springs/
Colorado Springs · Class 4 · Updated Nov 11, 2026
Duration STORM in Colorado Springs.Class 4 is real. An insurance discount is not automatic.
Duration STORM is a UL 2218 Class 4 shingle. Whether that earns an insurance discount is up to your carrier. We have not found a Colorado statute that requires one.
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The short answer
Duration STORM is a UL 2218 Class 4 shingle. Whether that earns an insurance discount is up to your carrier, not a Colorado statute we can cite.
Owens Corning lists Duration STORM as impact-resistant and tested to UL 2218 Class 4, the highest class in that impact test. In its product literature, Owens Corning says a Class 4 rating may allow homeowners to qualify for insurance premium discounts and that you should check with your insurance provider. That is the manufacturer's statement, not a promise from any carrier and not a Colorado law requiring a discount.
We have not found a Colorado statute that requires insurers to discount Class 4 roofs, and we have not verified an official, statewide percentage from a carrier or a regulator. Some insurers do offer a credit; the amount, if any, is in your policy or a carrier bulletin, not in a number we can invent here. Ask your agent in writing before you order the product for the discount alone.
In Colorado Springs, Pikes Peak Regional Building Department requires a Class A fire rating as the minimum roof covering for one- and two-family dwellings, excluding solid wood (Appendix D). Class 4 (impact) and Class A (fire) are different tests. Duration STORM is sold as meeting both; confirm the exact product and installation with the permit and the manufacturer's instructions.
Our published Colorado Springs Duration STORM tear-off replacement price is $925 per square, as listed on the Colorado Springs roofing page and the 2026 cost guide.
Source: Owens Corning Duration STORM product literature (UL 2218 Class 4; may qualify for a discount, confirm with the insurer). Building rules: PPRBD re-roof guidelines. Permit fees: PPRBD re-roof permit guide.
HOA and color
A Class 4 rating does not by itself pre-approve the shingle with your HOA.
Highlands Ranch and many other associations review color and material against their own guidelines. Duration STORM is not named as a pre-approved product on the Highlands Ranch Community Association forms we reviewed. Same-level or upgrade products are typically allowed; a downgrade is not. See our Colorado HOA shingle approval guide for the HRCA $15 Roof Replacement request and the Duration STORM notes there.
If you are replacing after hail, document the existing product and any discontinuations before you pick a color. For a matching problem on an older roof, see discontinued shingle matching (written for Aurora, with the same Colorado policy idea).
Will my Colorado Springs insurer discount the premium if I install Owens Corning Duration STORM Class 4 shingles?
Only if your insurer offers that credit, and only in the amount your agent or policy confirms. Owens Corning lists Duration STORM as UL 2218 Class 4 and says the rating may allow homeowners to qualify for insurance premium discounts, and that you should check with your insurance provider. We have not found a Colorado statute that requires insurers to discount Class 4 roofs, and we have not verified an official statewide percentage. Ask your agent in writing before you order the product for the discount alone.
Is Class 4 the same as the Colorado Springs Class A rule?
No. Class 4 is an impact test (UL 2218). Class A is a fire rating. PPRBD requires a Class A minimum roof covering for one- and two-family dwellings in the City of Colorado Springs, excluding solid wood. They are different tests.
What does Homey charge for Duration STORM in Colorado Springs?
Our published Colorado Springs Duration STORM tear-off replacement price is $925 per square, as listed on our Colorado Springs roofing page and the 2026 cost guide. Confirm a written quote for your roof.
Homey Roofing and Restoration is a roofing contractor, not a public adjuster. Your policy wording controls your coverage. We do not promise that insurance will pay. Confirm fees, deadlines and HOA rules with the official source before you order materials. Updated Nov 11, 2026. Call or text (719) 882-1232.