The current standard for residential roofing in Colorado — a heavier, multi-layered asphalt shingle that outperforms basic three-tab shingles in durability, wind resistance, and hail protection.
Table of Contents
- What an Architectural Shingle Is
- Architectural vs. Three-Tab Shingles
- Class 4 Impact-Resistant Architectural Shingles
- Architectural Shingles and Your Insurance Claim
- Common Architectural Shingle Questions
- How Claim Advocacy Helps With Architectural Shingle Claims
- Related Glossary Terms
What an Architectural Shingle Is
An architectural shingle — also called a dimensional shingle — is a multi-layered asphalt shingle designed to create a textured, three-dimensional appearance. Unlike flat three-tab shingles, architectural shingles are laminated with multiple layers that add thickness, durability, and depth.
They are the current standard for residential roof replacements in Colorado due to their improved wind resistance, longer lifespan, and better performance in hail-prone environments.
Architectural vs. Three-Tab Shingles
Three-Tab Shingles
Single-layer shingles with a flat, uniform appearance. They are lighter, less durable, and more vulnerable to wind and hail damage.
Architectural Shingles
Multi-layered shingles with higher wind ratings (typically 110–130 mph), longer warranties, and improved durability.
In modern roofing, architectural shingles are considered the baseline replacement standard.
Class 4 Impact-Resistant Architectural Shingles
Class 4 shingles are the highest-rated asphalt shingles for hail resistance under UL 2218 testing.
- Insurance discounts — often 20–30% premium reduction
- Better hail performance — reduced long-term damage
- Carrier requirements — sometimes required in high-hail areas
Architectural Shingles and Your Insurance Claim
Replacement Standard
Most policies require replacement with materials of like kind and quality. Today, that typically means architectural shingles — not three-tab.
Matching
Architectural shingles vary significantly by manufacturer and product line. Matching issues can justify replacing additional slopes when partial replacement creates visible inconsistencies.
Depreciation
Architectural shingles typically have longer lifespans (30–50 years), which affects depreciation calculations compared to three-tab shingles.
Class 4 Considerations
If your roof has Class 4 shingles, your estimate and depreciation should reflect that. Some carriers also require Class 4 for replacement.
Common Architectural Shingle Questions
Are architectural shingles worth the upgrade?
Yes. In Colorado, their durability, longer lifespan, and potential insurance discounts make them the better long-term value.
Will insurance pay for architectural shingles if I had three-tab?
Often yes, but it depends on your carrier. Some cover the upgrade fully, others require a small out-of-pocket difference.
How do I tell what shingles I have?
Three-tab shingles appear flat and uniform. Architectural shingles have a layered, dimensional look with shadow lines.
Do Class 4 shingles really help?
Yes. They are specifically engineered to resist hail and consistently outperform standard shingles in Colorado storms.
How Claim Advocacy Helps With Architectural Shingle Claims
- Replacement verification — ensuring correct shingle type is specified
- Depreciation review — matching calculations to actual material lifespan
- Class 4 documentation — ensuring proper classification in the estimate
- Matching support — documenting inconsistencies across slopes
- Upgrade guidance — explaining cost vs. insurance implications
Related Glossary Terms
- Asphalt Shingle – The broader category that includes architectural shingles
- Impact Resistance – A material’s ability to withstand hail damage
- Three-Tab Shingle – The older, less durable asphalt shingle type
- Matching – Requirement for consistent appearance across roof areas
- Replacement Cost Value (RCV) – Full replacement cost without depreciation
- Depreciation – Value reduction based on age and condition
- Hail Damage – Impact damage caused by hailstorms
- Scope of Loss – The complete estimate of all damage
Shingle type directly affects your claim value — from material cost to depreciation to matching requirements. A proper inspection ensures your estimate reflects the correct roofing system and full scope of work.
📞 (719) 210-8699
📧 gerald@winik.io