Short Answer
Complete Explanation
The term “high grade shingle” appearing on an insurance adjuster’s report identifies the roofing material as a premium‑quality shingle that meets higher performance standards than standard or low‑grade shingles. Adjusters use this designation to document the type of roofing that was on the property before loss, which can affect the valuation of repair or replacement costs.
- Definition:
High grade shingle refers to roofing shingles that are classified by manufacturers and industry standards (e.g., ASTM, UL) as having superior durability, wind resistance (often rated 110 mph or higher), and longer warranty periods. - Why it matters in claims:
Insurance policies may reimburse replacement based on the original material’s grade. Identifying a high‑grade shingle can lead to higher coverage limits or the need for “like‑for‑like” replacement. - Typical characteristics:
Thicker base mat, enhanced granule adhesion, higher impact resistance, and compliance with premium roofing product certifications. - Reporting practice:
Adjusters note the grade when inspecting the roof, often after visual assessment, photographs, or manufacturer documentation. - Impact on settlement:
Claims involving high‑grade shingles may qualify for additional endorsements, such as “upgrade” or “enhanced roofing” clauses.
Common Misconceptions
High grade shingle means the roof is brand‑new.
The designation only describes material quality, not the roof’s age or condition.
All premium shingles are called “high grade.”
Manufacturers use specific grading terms (e.g., “architectural,” “laminated”) and not every premium product is labeled “high grade” in adjuster reports.
The term guarantees a higher payout.
Payout depends on policy language, coverage limits, and deductible, not solely on material grade.
FAQ
Does a high grade shingle guarantee a higher insurance payout?
No. While it can increase the estimated replacement cost, the actual payout is governed by the policy terms, limits, and deductible.
How can a homeowner verify the shingle grade after a claim?
Review the roofing manufacturer's documentation, look for UL or ASTM certification labels, or request a detailed material report from the adjuster.
Can a homeowner upgrade to a higher grade shingle during repair?
Some policies include an upgrade endorsement that allows replacement with a higher grade, but this must be specified in the policy and may affect the premium.
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