Hip Roof Vs Gable Roof Insurance

For a homeowner what type of roof can make a big difference in your premium.

Hip roof vs gable roof insurance. 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 render lower premiums may it be due to added aerodynamics. 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. Hip roofs have been proven in wind tunnel tests to be significantly more hurricane resistant than gable roofs. It goes without saying the newer the roof the better your home insurance rate. When it comes to reroofing costs it really depends on the complexity of the roof.

Example of a gable roof. A gable roof is a simple design with straightforward construction and typically uses fewer materials. While it may not be as important as the material your roof s shape could also impact your home insurance price. The most common roof shapes are gable and hip.

However hip roofs come with lower insurance costs. 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.