Get matched with top deck maintenance specialists in Burlington Junction, MO

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.

Pressure-treated lumber is one of the most affordable types of decking upfront. This material is widely available, so you can usually find pressure-treated lumber at almost any local home improvement store you visit. Keep in mind that wood requires a lot of upkeep with repainting and restaining, so any kind of wood may be more expensive in the long run than something like PVC decking.

Whether you need a permit depends on the deck design and local regulations. Most areas mandate a building permit if the deck is over a specific height or if it's attached to a pre-existing structure. Shorter, freestanding decks may not require a permit, but you should check with local zoning ordinances and your homeowners association for specifics.

Whether composite decking is better than wood depends on your priorities, especially regarding budget and maintenance. Composite decking offers superior longevity (30 to 50 years) and durability, and it is low-maintenance, requiring no sanding, staining, or sealing. In contrast, wood decks typically last 10 to 30 years and need refinishing every few years. While the upfront cost of composite is higher than wood, the reduced maintenance can lead to long-term savings. If a lower initial cost is the primary factor, wood is the more affordable choice.