Hip Roof Vs Gable Roof Insurance

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 roof vs gable roof insurance.

A gable roof is a simple design with straightforward construction and typically uses fewer materials. While it may not be as important as the material your roof s shape could also impact your home insurance price. However hip roofs come with lower insurance costs. Old roofs are insurance risks and some insurers may refuse to cover an old roof.

So if it s obviously noticeable that your home possesses a hip shape a hip roof geometry wind mitigation discount can be applied. So there is a windstorm insurance discount for homeowners in florida that have a roof shape that is at least 90 hip. There can be anywhere between a 100 800 insurance difference between hip and gable roof depending on other factors. For a homeowner what type of roof can make a big difference in your premium.

Conversely a gable roof will cost you more in premium. The most common roof shapes are gable and hip. It goes without saying the newer the roof the better your home insurance rate. Example of a gable roof.

Overall most insurance companies will allow an agent to give a hip rating. Hip roofs have been proven in wind tunnel tests to be significantly more hurricane resistant than gable roofs.