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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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