Hip Roof Vs Gable Roof Insurance

A gable roof is a simple design with straightforward construction and typically uses fewer materials.

Hip roof vs gable roof insurance. 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. Old roofs are insurance risks and some insurers may refuse to cover an old roof. Hip roofs have been proven in wind tunnel tests to be significantly more hurricane resistant than gable roofs.

So if it s obviously noticeable that your home possesses a hip shape a hip roof geometry wind mitigation discount can be applied. Hip roofs are complex to construct and thus a more expensive option. 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.

There can be anywhere between a 100 800 insurance difference between hip and gable roof depending on other factors. 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. 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.

However hip roofs come with lower insurance costs. Conversely a gable roof will cost you more in premium.