Hip Roof Vs Gable Roof Insurance

The most common roof shapes are gable and hip.

Hip roof vs gable roof insurance.

Hip roofs are complex to construct and thus a more expensive option. However hip roofs come with lower insurance costs. A gable roof is a simple design with straightforward construction and typically uses fewer materials. Overall most insurance companies will allow an agent to give a hip rating.

There can be anywhere between a 100 800 insurance difference between hip and gable roof depending on other factors. Old roofs are insurance risks and some insurers may refuse to cover an old roof. It goes without saying the newer the roof the better your home insurance rate. 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. 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.

Example of a gable roof. So there is a windstorm insurance discount for homeowners in florida that have a roof shape that is at least 90 hip.