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No, you don’t need a permit to repair and replace a few boards on an existing deck. However, if you’re making structural changes to the deck or tearing down the old one and building a new one, you will likely need a permit. Check with your local municipality for the regulations and rules in your area, or ask a local contractor who builds decks for advice.

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.

Rot loves moisture, so deck rot typically impacts the parts of a board that stay wet. This includes the underside of boards, in addition to support posts and joists. However, any part of a board can rot, given the right conditions. 

Building codes for deck railings can vary by location, so it's important to consult your local regulations before construction. Generally, a guardrail is required for any deck that is more than 30 inches above the ground.

For residential properties, the standard minimum height for a deck railing is 36 inches. However, some states and municipalities have stricter requirements; for example, California and Washington mandate railings that are at least 42 inches high. Therefore, a 42-inch railing is not considered too high and may be required in your area or chosen voluntarily for additional safety.

In addition to height requirements, codes also specify other safety features, such as the maximum spacing between balusters to ensure they are close enough to prevent a child from squeezing through.