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When is a roof excluded from the calculation for the hip roof discount on a Florida wind mitigation form?
Sunday, October 24, 2021
A hip roof slopes upward and inward on all sides. The hip shape is proven to be more hurricane-resistant than a gable, flat, or shed roof shape. So the Florida Wind Mitigation Form (OIR-B1-1802) provides its largest discount on your homeowners insurance premium for a roof that is more than 90% hip, based on a measurement around the perimeter of the roof.
The form grants an exception to roofs that are BOTH not structurally attached to the main roof AND not enclosed below the roof to be excluded from the calculation. This allows, for example, the type of aluminum screen porch addition that’s common in Florida to not spoil the discount for a roof that is otherwise hip shape. But if it is enclosed by walls, doors, or windows, or attached to the home’s roof structure above the fascia, then it has to count as part of the roof perimeter calculation.
So the enclosed porch addition shown at the top of the page will cause most homes to miss out on the hip roof discount, even if the rest of the roof is completely hip. But, because it is attached only at the fascia, it would not be a problem if it was a screened or open porch. For more details and examples, go to our blog post Why didn't I get the hip roof discount on my wind mitigation inspection?
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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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