More Blogs on Similar Subjects:

  1. I’m buying a ‘50s house with a “gravel” roof. Is the roof going to be a problem.

  2. How can I be sure my roofing contractor got a permit?

  3. What is the cost difference between asphalt shingle and metal roofing?

  4. What’s the difference between a roof inspection and a roofing estimate?

  5. What is roof pitch?

  6. What’s the difference between “composite” and regular wood siding?

  7. Should I buy a fixer-upper?

  8. Is the 4-point insurance inspection strictly pass or fail?

  9. What are “shiners” and why did they make me lose my insurance discount?

  10. What do you look for when you inspect a roof?

  11. What is the minimum pitch of an asphalt shingle roof?

  12. What are the most common problems with older houses?

  13. What is the minimum pitch for a metal roof?

  14. Why does my insurance company want a roof letter?

  15. I saw some staining on the ceiling. Do you think the roof is okay?

  16. Why do my dormer windows leak?

  17. What does “lack of tab adhesion” in an asphalt shingle roof mean?

  18. What is a TPO roof?

  19. How can I make my roof last longer?

  20. What is the difference between galvanized and galvalume metal roofing?

  21. What is an H-clip?

  22. If my roof is not leaking, why does it need to be replaced?

  23. What causes a lump or dip in the roof?

  24. What are the most common problems with wood roof trusses?

  25. Why is a popped nail in a shingle roof a problem? How do I fix it?

  26. Why is there no attic access hatch in the house?

  27. What are the hazards to avoid when going into an attic?

  28. What is a “square” of roofing?

  29. How can I tell if a roof has more than one layer of shingles?

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We want you to be an informed homebuyer, and each blog post is a question that we have answered for our friends and customers over the years. Hope they help you make a good choice for your next home.

   While engineers and insurance companies evaluate these two most common roof structures based on strength and cost parameters, architects see the two types of roofs as part of their design vocabulary, and it is currently popular to have the main mass of the house topped with a hip roof, with smaller gables added as a kind of embellishment for entry porches, dormers, and garages.

   The roof shape is just one element in what your insurance agent calls a “wind letter”  or “wind mitigation form,” but is officially known as the “Uniform Mitigation Verification Inspection Form.” To find out more about the form, go to our blog: What is a wind mitigation form for homeowner's insurance?

    If you have had a windstorm mitigation inspection and did not get the discounts you were expecting, see our blog post: Why did I get no discounts or only a small discount from my wind mitigation inspection?

   You can discover more ways to reduce your homeowner’s insurance premium at our blog: How can I lower my homeowners insurance cost?

   To learn about the average lifespan of different roof materials, check out our blog: What’s the average lifespan of a roof?

   To recognize when it’s time to replace your roof, go to our blog: How can I tell if the house needs a new roof?

   If you want to understand the difference between an “architectural” and a regular shingle roof, see our blog: What's the difference between an "architectural" and a regular shingle roof?

   To figure out why your roof is leaking, go to our blog: Why is my roof leaking?


  To read about issues related to homes of an specific era or type of house, visit one of these blog posts:

What are the common problems to look for when buying a 1950s house?

  1. What are the common problems to look for when buying a 1960s home?

  2. What are the common problems to look for when buying a 1970s home?

  3. What are the common problems to look for when buying a 1980s house?

  4. What problems should I look for when buying a country house or rural property?

  5. What problems should I look when when buying a house that has been moved?

  6. What problems should I look for when buying a house that has been vacant or abandoned?

  7. What are the most common problems with older mobile homes?

  8. What should I look for when buying a “flipper” house?

  9. What should I look for when buying a former rental house?

While we hope you find this series of articles about home inspection helpful, they should not be considered an alternative to an actual home inspection by a local inspector. Also, construction standards vary in different parts of the country and it is possible that important issues related to your area may not be covered here.
©2015 - McGarry and Madsen Inspection.

perimeter (edge at fascia) of the roof that is a hip shape as a proportion of the total perimeter. The big gable end at the garage door in the home above would disqualify it for the hip roof discount.

   As you might expect with an insurance industry calculation, there are several complicating factors. A gable roof that covers an open entry area, and a porch roof that is attached to the main structure only at the fascia and is not over an enclosed living space, are both not considered as deductions in the calculation of hip perimeter length. Also, a very low-slope or flat roof that is more than 10% of the total roof area over the living space of the home overrides all the other calculations and eliminates the discount.

   Because hip roofs have been proven in wind tunnel tests to be significantly more hurricane-resistant than gable roofs, there is a windstorm insurance discount for homeowners in Florida that have a roof shape that is at least 90% hip. The calculation is made by measuring the length of the

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