Hip Roof Vs Gable Roof Insurance

Hip roofs are complex to construct and thus a more expensive option.

Hip roof vs gable roof insurance.

The most common roof shapes are gable and hip. Conversely a gable roof will cost you more in premium. Hip roofs render lower premiums may it be due to added aerodynamics. Old roofs are insurance risks and some insurers may refuse to cover an old roof.

However hip roofs come with lower insurance costs. For a homeowner what type of roof can make a big difference in your premium. Example of a gable roof. When it comes to reroofing costs it really depends on the complexity of the roof.

It goes without saying the newer the roof the better your home insurance rate. A gable roof is a simple design with straightforward construction and typically uses fewer materials. 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. Overall most insurance companies will allow an agent to give a hip rating.

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.