Wind Mit #18

You make the call. You are doing a wind mit for a center unit(See the picture). Do you call it Hip or Non-hip? Why? What if you were doing the wind mit on the whole building?

where’s the hip?

Will obviously remembers the Wendy’s advert. I agree with him though, where is the hip?

where is the gable ? :shock:

No hip rafters = non hip

either way you do it, it is a non hip. Question is, can you do just that unit or do you have to do the entire building. I would think you could do just that unit because the block walls extend above the roof line. But we are talking insurance here. The underwriter would have to make that determination. Its kind of like termite tenting. You can tent one unit, but everyone else has to also vacate for two days.

  1. non-hip
  2. there’s no hip
  3. non-hip

Roofing Design Types & Terms

  • Gable: The upper portion of a sidewall that comes to a triangular point at the ridge of a sloping roof.
  • Hip Roof: A type of roof containing sloping planes of the same pitch on each of four sides. A hip roof contains no gables.
  • Gable Roof: A type of roof containing sloping planes of the same pitch on each side of the ridge. A gable roof typically contains a gable at each end.
  • Skillion Roof: A Skillion Roof slopes from one side of the building to the other in a single span and no ridge. As a result the external walls are of varying heights.
  • Lean-to Roof: A roof with one slope only that is built against a higher wall.
    Jerkinhead Roof: Consists of a Gable Roof with a truncated Hip Roof section at the top to reduce the height of the Gable.
  • Dutch Gable: Is a combination of a Hip roof with a small Gable at the top and a
    sloping roof below.
  • Gambrel roof: A type of roof containing two sloping planes of different pitch on each side of the ridge. The lower plane has a steeper slope than the upper. A gambrel roof usually contains a gable at each end, just like a standard gable roof.
  • Mansard roof: A type of roof containing two sloping planes of different pitch on each of four sides. The lower plane has a much steeper pitch than the upper, often approaching vertical. It contains no Gables.
  • Gazebo Roof: Often Hexagonal or Octagonal but usually symmetrical in their design.

Pelletier's Home Inspection roof-design-images.png

Entire building = Non-hip

As for the Unit…according to at least one wind mit course, the firewalls extending through the roof should be considered and the Unit should be evaluated separately. According to Question #5, a Hip Roof is one with no other roof shapes greater than 10% of the total building perimeter (in this case the Unit’s perimeter). Also, the roof perimeter is the sum of all roof edges (measured at the fascia board). An argument could be made this should be Hip.

I go with Michael’s thinking on the single unit and I don’t think the underwriter would have a problem with it as the interior units are obviously better protected than the outer ones.

Without the measurements the center units are hip they have no EXPOSED gable ends as these units have reinforced concrete block parapets between them. If the exterior perimeter of the front and rear walls is greater than 90% of the exterior total perimeter than the enitre building is hip. That is according to the definitions prescribed by OIR for filling out the wind mit form. This is a gabled roof structure by any other definition both in part and in whole. WHY? because they say so.

the fire walls are gables, only 2" high. The units are individually rated with no common roof covering, so shutters for one unit will give that unit the credit

The blue lines would count as “hip sides” the red and yellow would be used as “gable sides.” The long yellow lines would not be added into the total perimeter measurements but used to calculate the gable percentages. The yellow lines in the center of the units prevent these units from being rated as hip.

One could argue the center units could be hip, if the roof change was not in the middle of the units. This argument may not stand though because the ends of each unit is gable.

For shutters and roof date; because the fire/structural wall is above the roof line you could rate each unit individually.

Can someone tell me who is providing the online, automated, point and click mitigation form. It also allows for elongating the form to insert photos of pertinent areas.