Class 3, Class 4, metal, tile, and HOA-friendly options — matched to your claim and coverage.
HPR's drone-capture and AI damage-report workflow identifies your existing material before the first adjuster call so the right replacement tier is documented with zero guesswork — and the in-house remote adjuster uses that same evidence to negotiate the full scope with your carrier.
Every material choice you make during a replacement affects three things simultaneously: the scope your insurance carrier approves, the premium discount your policy earns going forward, and whether your HOA accepts the finished roof. HPR's virtual and drone workflow documents your existing material — manufacturer, class rating, condition — before the first adjuster call, so the replacement tier is established with real evidence rather than a best guess. That documentation is the same evidence package the in-house remote adjuster uses to negotiate the full replacement scope with your carrier, which means the material conversation happens at exactly the right moment: before construction starts, not after.
Five material options, each matched to claim and coverage
The insurer-preferred standard in storm corridors.
Class 3 is the baseline UL 2218 impact-resistant rating that most carriers accept for a like-for-like replacement after a hail event — replacing an existing Class 3 roof with another Class 3 is the lowest-friction path through an insurance claim. HPR's drone photo set documents every bruised tab and lifted edge before the adjuster call, so the AI damage report confirms Class 3 scope without a single in-person meeting.
If your carrier adjuster misses line items, the in-house remote adjuster supplements the scope using the same drone evidence — no second on-site visit needed.
See replacement tiers →The upgrade carriers reward with premium discounts.
Class 4 is the highest UL 2218 impact-resistance rating and triggers carrier premium discounts of 10–30% in most of HPR's eight-state service area — a discount that recurs every renewal cycle after installation. When an insurance claim is approved for a full roof replacement, HPR's Standard and Premium tiers default to Class 4 product because the carrier is already paying for a new roof; upgrading the material costs little incrementally but changes the homeowner's ongoing insurance cost permanently.
The drone + AI damage report that opens the claim is the same evidence package the in-house adjuster uses to argue for a full-replacement scope, making the upgrade conversation happen at the right moment — before construction, not after.
See Standard and Premium tiers →40–70 year lifespan, documented pre-storm by drone.
Metal roofing — standing-seam steel or aluminum in particular — is recognized by most carriers as impact-resistant without a separate UL rating test, and its lifespan of 40–70 years means a single claim cycle can fund a decades-long material upgrade from asphalt. HPR's drone photo set captures pre-storm metal condition with enough resolution to show existing dents, scratches, and seam separations, giving the remote in-house adjuster the evidence to distinguish storm damage from pre-existing wear and avoid a carrier denial on condition grounds.
Both the retail financing path (satellite-measured quote, virtual closing) and the insurance path run end-to-end on metal scopes in all eight states.
Get a free estimate →50+ year lifespan, HOA-required in many markets.
Clay and concrete tile carry 50+ year lifespans and are the HOA-mandated material in many of HPR's Georgia, Tennessee, and North Carolina markets — replacing a tile roof with anything else is not an option for those homeowners, which means accurate satellite-measured scope and carrier-approved tile matching are non-negotiable. Tile claims carry more complexity than shingle claims because carriers scrutinize matching (color, profile, manufacturer) and load capacity, and a remote adjuster working from a drone photo set can flag both issues before the carrier adjuster's own inspection so the scope isn't reduced at the last step.
HPR sources tile material across all eight states and handles HOA color-match approvals as part of the virtual closing process, so the homeowner never has to coordinate between their contractor, their carrier, and their HOA separately.
Get a free estimate →Approved replacements across all eight states.
HOA-governed communities often require specific manufacturer color families, surface profiles, or material types — a replacement that isn't pre-approved by the association triggers a variance process that can delay construction by weeks. HPR's virtual workflow includes HOA approval coordination as a standard step in the closing sequence: the material selection, color palette, and manufacturer spec sheet are submitted to the HOA for written approval before the installation date is set, so the insurance proceeds aren't funded into a scope the community will reject.
Class 3 and Class 4 shingle options, standing-seam metal in HOA-approved colors, and tile profiles matching existing community standards are all available across HPR's eight-state footprint through the same satellite-measured quote and virtual-closing process.
Check availability for your address →Side-by-side at a glance
| Material | Typical Lifespan | UL Rating | Carrier Discount | HOA Compatibility | HPR Tier |
|---|---|---|---|---|---|
| Class 3 Shingle | 20–30 years | UL 2218 Class 3 | Varies by carrier | Wide selection | Economy |
| Class 4 Shingle | 25–35 years | UL 2218 Class 4 | 10–30% premium reduction | Wide selection | Standard / Premium |
| Metal | 40–70 years | Impact-resistant (carrier-recognized) | Varies by carrier | HOA-approved colors available | Standard / Premium |
| Tile (Clay / Concrete) | 50+ years | Varies by product | Varies by carrier | Often HOA-required | Premium / custom scope |
| HOA-Approved | Depends on material | Class 3, 4, or metal | Depends on material | Pre-approval coordinated | All tiers |
Eight-state coverage, 50 local markets
Satellite-measured scope, drone-captured storm assessment, and e-commerce-based in-house crews; both the remote claims path and the virtual-closing retail program run in every city below. Pick the closest market for local storm history, financing options, and a free SkyQuote estimate.
- Akron
- Canton
- Cincinnati
- +4 more
- Carmel
- Evansville
- Fort Wayne
- +2 more
- Ann Arbor
- Detroit
- Grand Rapids
- +3 more
Ready to match your roof type to the right claim?
Call or email directly — same callback window either way. No in-person visit needed.