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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.

Most building codes require that spindles or balusters on deck and stair railings be spaced no more than four inches apart. This safety standard, often called the '4-inch sphere rule,' is designed to prevent small children or pets from slipping through the railing. A good way to visualize this is that a 4-inch sphere should not be able to pass between two spindles. For the same safety reason, the space between the bottom rail and the deck floor should also be no more than four inches. As a general guideline, professionals often install three balusters per foot of railing. However, since specific requirements can vary by location, it is crucial to check your local building codes to ensure compliance before starting your project.

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.

Space deck handrail posts four to six feet apart. If the posts are more than six feet apart, the railing will be less able to withstand lateral forces and is more susceptible to breaking. Additionally, railing posts that are more than six feet apart may not be up to code, and you may face fines and be required to reinstall the posts to bring them up to code.