How many different versions of what is and isn’t a non-hip feature would you like? I can find upwards of 5 different opinions from insurers as to what is and isn’t qualified as a hip feature. Besides, how many different versions of what is and isn’t a gable wall have I shown you over the past year? Each insurer has their own version of what is and isn’t a non-hip feature, one even considers any wall adjacent to attic space as a non-hip feature.
So, I started with the people who actually helped design the form…the ARA and also the AIR (herein referenced as “they”). I contacted the engineers and did the research myself, very interesting conversation.
What they said was, the insurance industry provides them damage estimates based on roof geometry and that the the insurance industry decides what qualifies as hip or non-hip…and the information they are receiving as qualifications for a hip feature roof geometry, as they are discovering, is incorrect. The reason you have so many different versions of what is and isn’t a non-hip feature is insurer’s don’t actually use engineering practices to determine this.
There is more than one factor to be considered, including building code to which the structure was built and how it was engineered. Also, if the structure was properly built at the connections to the wall. Just because that’s they way it has been taught from the beginning doesn’t make it right!
Use common sense, is a raised entryway overhang really a hip feature? Or is it a kite? The definition for a hip feature states that the roof slopes towards a wall at all four sides. An overhang, such as a raised entryway, does not slope towards a wall, it slopes towards an overhang. Under-truss or not.
As I have always said, wind mitigation is being fundamentally taught wrong on all aspects. Stop teaching people the form from the outside in and start teaching them actual mitigation…no matter what how the form changed, or what they added or removed, the inspector would understand it if he was taught actual mitigation instead of the 1802 form.