Florida building codes require houses to be built using designs and materials that should withstand minimum 120 mph winds, however as a rule-of-thumb, the newer the house is, the higher wind speed it’s designed to withstand. How the Shape of Your Roof Affects Your Home Insurance PremiumĪfter each hurricane, the State of Florida reviews the damage and updates their building standards to prevent further damage in the future. In fact, a hip roof can reduce your homeowners insurance premiums by close to 32%. Because of these features, a house with a hip roof will generally perform better in a windstorm, especially in a High-Velocity Wind Zone like southern Florida. The best roof shape to get the cheapest home insurance rates is a hip roof because the hip roof design has fewer sharp corners and lower-incline slopes. What is the Best Roof Design for Hurricanes? If you have a triangular shape on one or more sides, then you have a Gable roof. For example, if your house is shaped like an L or a T when viewing it from above, and your house has slopes on every side like a Hip roof, then you have a Hip roof. If your roof is pointed and the edge of the roof is parallel to the ground, then it’s a hip roof.Įven if your house isn’t shaped like a rectangle, these roof shapes still apply. If you see one or more sides which have a triangular shape (or some variation), then it’s typically a gable roof. In southwest Florida cities like Fort Myers and Cape Coral, the two most common roof shapes are the Gable and the Hip roofs. Compare what you see with these most common roof designs. If you’re not sure what the shape of your roof is, simply walk around the outside of your house and look at the roof line (the edges). The age of your roof is pretty straightforward: you know that the older the roof is, the more likely that it will need to be replaced at some point, but a lot of homeowners don’t consider the shape of their roof when thinking about home insurance. Overlays also typically increase future replacement costs due to increased labor and job waste.When it comes to your Florida home insurance policy, there are some factors that can cause your homeowners premiums to be higher than other factors. However, an overlay may void or shorten the manufacturer's warranty on roofing materials. Because the old roofing stays put, overlays require fewer hours of labor and cost less than a full replacement. Consider an overlay: An overlay involves installing new shingles on top of existing ones.If you have the time, the proper equipment, and a stomach for heights, removing old roofing before the installer arrives could help cut costs. Do it (or some of it) yourself: Consider doing part of the work yourself.Scheduling your roof replacement in late winter or spring may yield lower prices or off-season discounts. Time it right: Roofers are busiest in late summer and fall.Be wary of extremely low bids, which could mean subpar work, and make sure roofers offer a warranty on materials and installation. Shop around: Get quotes from several roofers and always request and check local references before hiring someone.Do your research: Know the size and complexity of your roof and the exact materials you want to have installed before talking to contractors.
0 Comments
Leave a Reply. |
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |