Hip Roof Vs Gable Roof Insurance

Conversely a gable roof will cost you more in premium.

Hip roof vs gable roof insurance.

A gable roof is a simple design with straightforward construction and typically uses fewer materials. Hip roofs render lower premiums may it be due to added aerodynamics. Hip roofs are complex to construct and thus a more expensive option. However hip roofs come with lower insurance costs.

When it comes to reroofing costs it really depends on the complexity of the roof. So there is a windstorm insurance discount for homeowners in florida that have a roof shape that is at least 90 hip. Old roofs are insurance risks and some insurers may refuse to cover an old roof. Overall most insurance companies will allow an agent to give a hip rating.

While it may not be as important as the material your roof s shape could also impact your home insurance price. There can be anywhere between a 100 800 insurance difference between hip and gable roof depending on other factors. Hip roofs have been proven in wind tunnel tests to be significantly more hurricane resistant than gable roofs. 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.

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