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Roof Shapes Matter with Home Insurance!

tony • January 4, 2019

o Home insurance carriers look at a myriad of things when determining your home insurance rates.  And one of these items is the shape of the roof.  Now obviously you can’t really do anything to change the shape of your roof – but if you’re in the market to purchase a new home or are looking to do an addition to your existing home then you should know this information.

What are the main roof shapes?

In Brevard County we commonly see three types of roof shapes….seen here:

Three different types of roofs are shown including hip gable and flat
Common Roof Shapes In Melbourne, FL

The roof on the left is a hip roof.  It’s the most wind resistive roof shape and therefore receives a fairly significant discount because in the event of a hurricane – no matter which direct the wind is coming from it will hit an angled surface on the roof.  The other two roof shapes, gable and flat roofs, generally don’t receive any discounts because they simply aren’t as wind resistive as the hip roof.

What happens when you have multiple roof shapes such as a flat roof over the back porch or a gable over a garage? 

Uou typically will lose the hip roof credit and your roof shape will generally default to “other” for rating purposes.  There is a caveat, however, that you should know about.  If the flat roof or gable roof is less than 10% of the entire roof perimeter then you typically get to keep the hip roof credit.

Why is this so important? 

It’s because the closer the home is to the ocean or the older the home is, the bigger the hip roof discount.  In fact, we have customers receiving discounts of almost $1000/yr in Satellite Beach because of the hip roof credit.  So if you’re in the market for a new house and want to save some money on home insurance – look for homes with a hip roof.  And if you have a hip roof on your house currently and are thinking about doing an addition – perhaps a bonus room over a garage – keep the roof shape in mind because nobody likes to lose discounts to their insurance for doing improvements to their home.

Want to see what home insurance rates look like in your area – give us call or get a quote online by visiting shopitnow.chrinco.com.  Chrinco.com – insurance simplified.

Want a home insurance quote from a local agent in Melbourne, FL?  Click Here to get started!

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The post Roof Shapes Matter with Home Insurance! appeared first on Chrinco.

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