Which roof type generally does not receive any type of discount under insurance policies?

The roof type that generally does not receive any type of discount under insurance policies is the gable roof. This is primarily due to the gable roof's design, which, while aesthetically pleasing and effective at shedding water and snow, may be perceived as less durable in high-wind situations compared to other roof types.

Insurance companies often evaluate the structural integrity and resilience of roofs when determining premium discounts. Other roof types, such as hip roofs, tend to provide better wind resistance and stability, which can lead to discounts. Flat roofs, though not usually eligible for wind-related discounts, may still have other considerations affecting pricing. Tile roofs, known for their durability and fire resistance, often qualify for discounts as well. The perception of risk associated with different roof types plays a significant role in underwriting and premium calculations, which is why the gable roof, despite its popularity, often does not benefit from such discounts.