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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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