TThe main difference between a gable and hip roof is that a gable roof has two sloping sides that meet at a ridge, while a hip roof has four sloping sides that meet at the top of the roof. Gable roofs are more common than hipped roofs, and they are usually cheaper to build. However, hipped roofs are more energy efficient and provide better protection against the elements.
Here is a more detailed comparison of the two roof types:
- Four sloping sides that meet at the top of ceiling
- No vertical walls on the sides of the roof
- more expensive to build
- More energy efficient
- Better at protecting against element
- Two sloping sides that meet at one mountain ridge
- Vertical walls on the sides of the roof
- Cheaper to build
- Less energy efficient
- Not as good at protecting against element
What is considered better for home insurance purposes?
A hip roof is better for home insurance than a gable roof and is a discount with most companies. This discount can vary between 5-10% of the “wind” portion of your home insurance premium. Here are some of the reasons why hip roofs are better for home insurance:
- Hip roofs are more resistant to wind damage. The sloped sides of a hipped roof help distribute the force of the wind, making it less likely to lift the roof off the home.
- Hip roofs are more energy efficient. The sloped sides of a hipped roof help direct sunlight away from the home, which can help keep the home cooler in the summer and warmer in the winter.
- Hip roofs are less likely to leak. The sloped sides of a hipped roof help shed water away from the home, which can help prevent leaks.
If you are looking for a roof that gives you the best possible protection from the elements and the best possible value for your home insurance, then poplar roofs are the best option.
What happens if I have both a hip and a gable? Will I still get the discount?
Many homes are built with a mix of hip and gable roof designs. This is trendier and more appealing to home buyers than a home that is all hip or all gable. Although each company is different when it comes to determining whether a hip roof discount applies, most insurance companies require that 90% of your roof is hip. The best way to determine this may be to get the linear measurements of the outside of your home. If the roof slopes downward in over 90% of the exterior walls, your home will likely qualify for a “hip roof” credit.