Hip Roof Vs Gable Roof Insurance

However hip roofs come with lower insurance costs.

Hip roof vs gable roof insurance.

There can be anywhere between a 100 800 insurance difference between hip and gable roof depending on other factors. 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. While it may not be as important as the material your roof s shape could also impact your home insurance price. So if it s obviously noticeable that your home possesses a hip shape a hip roof geometry wind mitigation discount can be applied.

Old roofs are insurance risks and some insurers may refuse to cover an old roof. Hip roofs are complex to construct and thus a more expensive option. When it comes to reroofing costs it really depends on the complexity of the roof. 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. The most common roof shapes are gable and hip. Overall most insurance companies will allow an agent to give a hip rating. 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. It goes without saying the newer the roof the better your home insurance rate.