Wind Mitigation Inspection – 7 Ways to SAVE $$$ on YOUR Homeowner’s Insurance!
If You are Already SAVING – Don’t Lose YOUR Insurance Discounts,
Be Prepared for that Pesky Re-Inspector!
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5) The fifth potential discount is determined by the geometry, or shape of your roof. There are a number of different roof shapes. This inspection lumps each roof into one of three categories: a Hip Roof, a Flat Roof, or an “Other” Roof.
a) The Hip roof shape is the best category to be placed in. In order to get this discount your roof must be 90% Hip with no other roof shapes equating to more than 10% of the roof perimeter or if low slope/flat sections are involved the flat section must not be greater than 10% of the area of the roof.
b) The Flat roof shape category is only used on buildings with five or more units. The flat roof shape is determined if the low slope/flat section equates for more than 10% of the roof area. Low slope is defined by having a slope of 2:12 or less (as the roof slope raised 2” or less for every 12” in length).
c) The Other roof shape is used when the roof doesn’t meet either the Hip or Flat ratings listed above. The most common roof placed under this category is a Gable roof.
How to know your roof geometry and how to prove it: The only way to accurately determine your roof shapes is to be knowledgeable in identifying the different roof shapes and then to meticulously graph out your roof shape measurements to calculate the percentages as described above. This will include the perimeter of the roof or if low slope areas are involved will also include the area measurements as well.