Hip Roof Vs Gable Roof Insurance

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

Hip roof vs gable roof insurance.

Conversely a gable roof will cost you more in premium. A gable roof is a simple design with straightforward construction and typically uses fewer materials. However hip roofs come with lower insurance costs. There can be anywhere between a 100 800 insurance difference between hip and gable roof depending on other factors.

While it may not be as important as the material your roof s shape could also impact your home insurance price. Hip roofs have been proven in wind tunnel tests to be significantly more hurricane resistant than gable roofs. 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.

It goes without saying the newer the roof the better your home insurance rate. 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. So there is a windstorm insurance discount for homeowners in florida that have a roof shape that is at least 90 hip. For a homeowner what type of roof can make a big difference in your premium.

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.