Disclosed is a building and construction material and process including multiple layers and vermiculite ore in at least one layer. A substrate layer may have one or more layers on top or on the bottom of it. Numerous compounds may be used in one or more of the layers including asphaltic compound, polymer modified asphalt compound, thermoplastic polymer compound and others. The layers may also include synergistic flame retardant and fillers. And disclosed is a process to manufacture the building and construction material.