Hip Roof Vs Gable Roof Insurance

Overall most insurance companies will allow an agent to give a hip rating.

Hip roof vs gable roof insurance.

Old roofs are insurance risks and some insurers may refuse to cover an old roof. So if it s obviously noticeable that your home possesses a hip shape a hip roof geometry wind mitigation discount can be applied. Example of a gable roof. While it may not be as important as the material your roof s shape could also impact your home insurance price.

Conversely a gable roof will cost you more in premium. However hip roofs come with lower insurance costs. Hip roofs render lower premiums may it be due to added aerodynamics. Hip roofs are complex to construct and thus a more expensive option.

It goes without saying the newer the roof the better your home insurance rate. A gable roof is a simple design with straightforward construction and typically uses fewer materials. So there is a windstorm insurance discount for homeowners in florida that have a roof shape that is at least 90 hip. Hip roofs have been proven in wind tunnel tests to be significantly more hurricane resistant than gable roofs.

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.