Hip Roof Vs Gable Roof Insurance

Old roofs are insurance risks and some insurers may refuse to cover an old roof.

Hip roof vs gable roof insurance.

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. For a homeowner what type of roof can make a big difference in your premium. While it may not be as important as the material your roof s shape could also impact your home insurance price.

Hip roofs have been proven in wind tunnel tests to be significantly more hurricane resistant than gable roofs. So if it s obviously noticeable that your home possesses a hip shape a hip roof geometry wind mitigation discount can be applied. 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. However hip roofs come with lower insurance costs.

Conversely a gable roof will cost you more in premium. It goes without saying the newer the roof the better your home insurance rate. There can be anywhere between a 100 800 insurance difference between hip and gable roof depending on other factors. Hip roofs are complex to construct and thus a more expensive option.

The most common roof shapes are gable and hip. Hip roofs render lower premiums may it be due to added aerodynamics.