Hip Roof Vs Gable Roof Insurance

However hip roofs come with lower insurance costs.

Hip roof vs gable roof insurance.

For a homeowner what type of roof can make a big difference in your premium. It goes without saying the newer the roof the better your home insurance rate. So if it s obviously noticeable that your home possesses a hip shape a hip roof geometry wind mitigation discount can be applied. Conversely a gable roof will cost you more in premium.

When it comes to reroofing costs it really depends on the complexity of the roof. Overall most insurance companies will allow an agent to give a hip rating. The most common roof shapes are gable and hip. Example of a gable roof.

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

Hip roofs are complex to construct and thus a more expensive option. Old roofs are insurance risks and some insurers may refuse to cover an old roof.