1) Age of the roof

Roof age matters because building codes tightened over time, especially for wind. A newer roof often means better attachment methods and materials. Even if your roof is older, you can still earn credits with the right improvements and documentation.

2) Roof condition

Missing shingles, lifted edges, soft spots, and flashing issues can trigger underwriting concerns and reduce the chance of credits. Regular maintenance often costs less than the premium increases that follow a deteriorating roof.

3) Roof shape

Hip roofs are generally considered more wind-resistant than gable roofs because the sloped sides reduce wind pressure. Roof geometry can influence wind credits, and it’s one of the first items an inspector documents.

Why a hip roof is typically more hurricane-resistant
A hip roof is often considered more wind-resistant because its shape is more aerodynamic in high winds.

1. Less “sail area” for wind to grab

• A gable roof has vertical gable-end walls that can catch wind like a sail.

• A hip roof doesn’t have those tall, flat end walls, so wind has fewer places to push hard.

2. Wind pressure is distributed more evenly

• With four sloping sides, a hip roof tends to spread wind loads around the structure rather than concentrating them on one broad face.

• This can reduce peak pressures at the roof edges and end walls.

3. Better performance in wind direction changes

• Hurricanes shift direction and swirl. Hip roofs tend to handle varying wind angles better because every side is sloped.

• Gable roofs can be more vulnerable when wind hits the gable end directly.

4. Reduced uplift at the “weak points”

• Roof failures often begin at edges, corners, overhangs, and poorly tied connections.

• While either roof can fail if attachment is weak, gable ends can be a common failure initiation point when bracing and connections are inadequate.

A hip roof can give you an advantage in wind resistance, but the biggest wins come from the whole system: deck attachment, straps/clips, secondary water barrier, and impact protection. 

4) Hurricane straps or clips

These are typically visible in the attic. Straps and clips help create a continuous load path, linking the roof to the walls so the roof is less likely to lift in high winds.

5) Impact-resistant windows and doors, or shutters

Opening protection matters because wind-borne debris can compromise the building envelope quickly. Impact-rated products or properly rated shutters can reduce damage risk and may qualify for credits depending on the policy and location.