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What “Roof Geometry” or roof shape offers the best discounts on my home owner’s insurance policy when I have a wind mitigation inspection done?

A “Hip” shaped roof (“Roof Geometry”) offers the best discount when referencing the wind mitigation inspection discounts. The shape of the roof is important when comparing or mitigating the wind. If your roof is shaped like a pyramid and goes down at a slope on all 4 elevations than your roof geometry would be considered as “Hip”.

Your Wind Mitigation inspector will determine: What is the roof shape(s)? (Porches or carports that are attached only to the fascia or wall of the host structure and not structurally connected to the main roof system are not considered in the roof geometry determination.) It will be classified as one of the three options below on your inspection report:

A. Hip Roof Hip roof with no other roof shapes greater than 10% of the total building perimeter.

B. Non-Hip Roof Any other roof shape or combination of roof shapes including hip, gable, gambrel, mansard and other roof shapes not including flat roofs.

C. Flat Roof Flat roof shape greater than 100 square feet or 10% of the entire roof, whichever is greater.



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NOTE: The answers to coverage questions are primarily based on ISO forms generally used in Florida by most companies. However, please keep in mind that all companies’ forms are NOT necessarily the same. Some companies may provide broader coverage and some may be more restrictive.
IN ALL CASES, THE CONSUMER MUST REFER TO HIS OR HER OWN POLICY FOR SPECIFIC COVERAGE INFORMATION.
 
   


Our Melbourne Home Insurance Agency is centrally located in Brevard County, enabling us to locally serve Viera, Cocoa Beach and Palm Bay.



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