I'm going to expand this thread a little. We just received our home insurance renewal (TD Melloche Monnex) and they have introduced an optional 'hail and wind' feature whereby you can decrease your overall premiums by increasing your deductable on damage due to hail and wind. Something that does carry some appeal in Calgary no doubt. So good roofing materials can/do have a positive effect on premiums. On top of that, it believe even if a policy holder opted not to take this option and keep everything under a 'regular' policy I believe the grade/class of shingle will also have an effect on premiums. I would need to double check to be sure but our policy does specifically mention Class 4 shingles (I just don't remember in what context).
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