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Yes, it is possible to add an under-deck drainage system to an existing deck by retrofitting it to the structure. This process may require some prep work. For example, many drainage systems are installed on top of the deck joists, which would require you to remove the decking boards and railings first. To avoid this, you could opt for a below-the-joist drainage system. For best results and to ensure proper installation, it is recommended to consult a professional. A pro can inspect your deck, make any necessary repairs, and then install the drainage system correctly.

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.

In most cases, sanding an old deck before staining it is necessary to achieve a decent finish. If your old deck has a relatively new stain finish on it and you're only doing touch-ups, you can generally skip the sanding part. However, if your goal is to make the deck look and function better, sanding first is a must. 

Floating decks are a cost-effective and versatile option, but they come with some compromises. Since they sit on smaller footings instead of being deeply anchored, they’re more likely to shift over time, especially in areas with heavy rainfall or freeze-thaw conditions. Their low-to-the-ground design makes them more susceptible to moisture buildup and potential water damage.