Hip Roof Vs Gable Roof Insurance

The most common roof shapes are gable and hip.

Hip roof vs gable roof insurance.

So if it s obviously noticeable that your home possesses a hip shape a hip roof geometry wind mitigation discount can be applied. A gable roof is a simple design with straightforward construction and typically uses fewer materials. Hip roofs are complex to construct and thus a more expensive option. While it may not be as important as the material your roof s shape could also impact your home insurance price.

Conversely a gable roof will cost you more in premium. So there is a windstorm insurance discount for homeowners in florida that have a roof shape that is at least 90 hip. Overall most insurance companies will allow an agent to give a hip rating. Old roofs are insurance risks and some insurers may refuse to cover an old roof.

Example of a gable roof. Because hip roofs have been proven in wind tunnel tests to be significantly more hurricane resistant than gable roofs there is a windstorm insurance discount for homeowners in florida that have a roof shape that is at least 90 hip. Hip roofs render lower premiums may it be due to added aerodynamics. For a homeowner what type of roof can make a big difference in your premium.

When it comes to reroofing costs it really depends on the complexity of the roof. Hip roofs have been proven in wind tunnel tests to be significantly more hurricane resistant than gable roofs.