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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.

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.

Local building codes don’t specify the number of steps a deck can have before a railing is required, mainly because stair height varies widely. Most areas require decks 30 inches or higher to have a railing. While not exact, that roughly equates to four to seven steps.

The proper height for a stair riser or deck step is between four and seven inches, with seven inches often considered the most comfortable. Building your stairs to this height ensures a strain-free step position and minimizes the risk of trip and fall injuries. For optimal safety and comfort, especially on deck stairs, a rise of around seven inches should be paired with a tread depth (or run) of at least 10 to 12 inches. While it is possible to design stairs with risers up to 12 inches, this height can be challenging for children, pets, or individuals with mobility issues. Always check with your local building codes, as they may mandate specific dimensions that differ from these general recommendations.