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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.

Always sand a deck before repainting so the wood is smooth and ready for paint. While you do not need to fully remove paint before repainting, sanding helps remove any areas with weather and sun damage. Sanding also helps remove chipped or flaking paint and opens the wood pores to improve paint adhesion.

For a 12x20-foot (240-square-foot) deck, you can expect to pay between $7,200 and $14,400. This cost is based on a general price of $30 to $60 per square foot. The final price will depend on factors such as the decking material, design complexity, deck type, location, and local labor costs. Keep in mind that add-ons will increase the total; for example, adding an under-deck drainage system to a deck of this size could cost an additional $7,700.

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.