Why didn't I get the hip roof discount on my wind mitigation inspection?

Wednesday, December 2, 2020

The hip roof discount is one of the biggest offered on your wind mitigation inspection. A hip roof slopes inward on all sides, and it gives you as much as 60% off the windstorm portion of your homeowners insurance. But, when any part of your roof is not a hip, then the “non-hip” roof—even if relatively small—may disqualify you for the discount.

    If more than 10% of your roof is not a hip, you’re kicked out. And that is based on lineal feet of roof perimeter, not roof area. Here’s an example of one home that squeaked by on the 10% rule.

    The horizontal dimension of the gable roof over the front entry was 20-feet. All of the rest of the roof was a hip and the length of the entire perimeter of the roof was 211-feet. The “Roof Geometry” section of the wind mitigation form was filled out with the numbers added as shown.

    The instructions state “Do not consider roofs of porches or carports that are attached only at the fascia or wall of the host structure over unenclosed space in the determination of the roof perimeter or roof area for roof geometry classification.” So parts of the roof that are exempt from the 10% calculation must be both: 1) not enclosed and, 2) only attached to a wall or fascia of the home. In this case the gable was attached to the main roof, so the calculation was necessary. 

    A former screen porch that was enclosed into a sun room, even if only attached at the fascia, would be another example of when the roof would have to be included in the calculation.

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Here’s links to a collection of some of our other blog posts about the WIND MITIGATION FORM:

 Who can perform a wind mitigation inspection in Florida?

• How long does it take for a wind mitigation inspection? 

• What is checked during a wind mitigation inspection? 

Is a wind mitigation inspection report (OIR-B1-1802) required for homeowners insurance in Florida? 

Which building permit date is used for the Building Code section of the wind mitigation form? 

What are the different roof deck attachment discount categories for a wind mitigation inspection?

What determines the year of a house? 

What is the difference between a toe nail, clip, single wrap, and double wrap for the wind mitigation form?

How do I get the hip roof discount for my homeowners windstorm insurance?

Can I do my own wind mitigation inspection?   

What’s the difference between a gable and hip roof for my insurance? 

• What is the wind mitigation inspection for homeowner's insurance? 

• Why did I get no discounts or only a small discount from my wind mitigation inspection? 

How can I tell how hurricane resistant a Florida house is before I buy it?

• How long does a wind mitigation inspection remain valid? 

What is a wind mitigation discount? 

Do I get a a discount for partial hurricane shutters in a Wind Mitigation inspection?

• Why did I get no discount for roof-to-wall-attachment in my Wind Mitigation report? 

 What’s the difference between a four-point and wind mitigation inspection?

• What is the discount for Secondary Water Resistance (SWR) on a Wind Mitigation Inspection Report (OIR-B1-1802)? 

How much does a wind mitigation inspection save on insurance?

• What is the discount for gable end bracing in a Wind Mitigation Inspection (OIR-B1-1802)? 

What is the discount for wall construction type in a Wind Mitigation Inspection Report (OIR-B1-1802)?

• Does RhinoRoof® underlayment qualify to the Secondary Water Resistance (SWR) discount on a Florida Wind Mitigation (OIR-B1-1802) inspection? 

Can I get the Florida Building Code (FBC) discount on a wind mitigation form even if the permit application was before March 1, 2002?

• What is the difference between the HVHZ (High Velocity Hurricane Zone) and the Wind-Borne Debris Region in Florida Building Code? 

If the strap has 2 nails at my roof trusses, what credit do I get on my wind mitigation inspection?

• Is a digital signature acceptable for customers on the Florida Wind Mitigation Form (OIR-B1-1802)? 

     Visit our INSURANCE page for other related blog posts on this subject, or go to the INDEX for a complete listing of all our articles.

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