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Because adding a deck will yield a higher property value, you may have higher insurance costs. It’s important to follow the codes and regulations set by your local and state governments, so your insurance rates can be properly calculated. You may need an insurance revaluation after your deck is completed. The best course of action is to speak with an insurance professional to understand how adding a deck will impact your home’s insurance costs before you begin.

Materials for a second-story deck must be weather- and rot-resistant, though the specific choices will largely be determined by your budget and style preference. Pressure-treated wood is on the lower end of the price scale, but it can be customized and stained the way you like it. Composite, on the other hand, is pricier for installation and has fewer options for customization, but you’ll save money and time in the long run because it requires little maintenance.

Building a deck isn't too hard if you’re handy with carpentry, have the necessary tools, and are willing to put effort into it. However, other factors, such as plans, permits, and design, can be hard if you don’t have experience in those areas.

Note: You’ll need another person to help you build the deck (especially for framing and setting the beams). Building a deck yourself will be very difficult if you don’t have an extra set of hands to help.

Yes, it’s definitely possible to build a pergola on an existing deck. All you need to do is attach the pergola support beams to the deck’s joists and build up from there. Beware that mistakes can damage your deck, so if you’re at all unsure of the process, play it safe and hire a pro for your custom build.