Hip Roof Vs Gable Roof Insurance

Hip roofs render lower premiums may it be due to added aerodynamics.

Hip roof vs gable roof insurance.

It goes without saying the newer the roof the better your home insurance rate. For a homeowner what type of roof can make a big difference in your premium. The most common roof shapes are gable and hip. Hip roofs have been proven in wind tunnel tests to be significantly more hurricane resistant than gable roofs.

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. There can be anywhere between a 100 800 insurance difference between hip and gable roof depending on other factors. 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. 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. Conversely a gable roof will cost you more in premium. 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. So there is a windstorm insurance discount for homeowners in florida that have a roof shape that is at least 90 hip.