Get matched with top deck cleaning pros in Lewistown, MT

Expect to spend around $10,000 to $11,000 to replace a 20-by-20-foot deck. Using high-end materials like composite or exotic hardwoods can drive up the cost, as can custom features and design elements. You can also expect to pay more than average if your deck replacement requires a site evaluation or if you need the work done during the busy season.

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.

Deck boards should be spaced no more than three-eighths of an inch apart. This is enough space to allow water and small debris to pass through without collecting on the surface, but not enough to create a tripping hazard. Certain materials, like pressure-treated wood, shrink over time, so they may need less space at installation.

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.