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Hip Roof vs Gable Roof: Which Gets a Bigger Florida Insurance Credit?

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Why Roof Shape Matters in Florida

Florida law requires insurers to offer credits for certain wind-mitigation features. Roof shape is one of the items an inspector records on the state form, OIR-B1-1802. A hip roof (four sloped sides meeting at a ridge) is generally treated differently from a gable roof (two sloped sides with a triangular wall section at each end) because of how each shape handles wind pressure.

What the OIR-B1-1802 Form Actually Records

• The shape of the roof (hip, gable, or other/combination).
• The roof covering and how it is attached.
• Other features such as windows, garage doors, and when the home was built, since these affect which credits may apply.

The form itself is where the official determination gets made. We don't have the exact credit percentages or dollar amounts for hip versus gable roofs in the material we're working from, so this guide can't state a specific number for you.

Hip Roof vs Gable Roof: What's Known and Unknown

• Known: Roof shape is a mandated wind-mitigation credit category that insurers must offer in Florida.
• Known: The inspection form OIR-B1-1802 is the document that records which shape your roof has.
• Unknown here: The exact percentage or dollar difference between a hip roof credit and a gable roof credit. That depends on your insurer's rate filing, not on a single fixed statewide number we can confirm.

If a source tells you an exact percentage, ask where that number comes from and confirm it with your insurance agent or company.

What to Fix or Check First

• Confirm your actual roof shape. Many homes have a mix of hip and gable sections, and that combination affects the inspection result.
• Have the roof covering and attachment method documented, since these are recorded on the same form.
• Check when the home was built. Year built can affect which credits apply.
• Ask your insurer or a licensed inspector to confirm which credits your home currently qualifies for before assuming anything.

Important Cautions

This is general information, not insurance advice and not a substitute for a licensed inspection. Only a completed OIR-B1-1802 form from a qualified inspector, reviewed by your insurance company, determines your actual credit. Confirm everything with your insurer or a licensed professional.

What to Do Next

Our free tool can read your own roof description, or your existing wind-mitigation report, and tell you which mandated Florida credits likely apply and what an inspector will look for. It does not replace an inspection or an insurance professional's review — it simply helps you understand your own document or answers before you talk to one.