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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.

No, it isn’t necessary to skirt a deck, but investing in the cost to install deck skirting can bring more value to your home. Not only does deck skirting make the deck look more complete, but it can also turn otherwise unused space beneath the deck into useful storage space.

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.

Spindles on a deck may also be called balusters or pickets. While not as important to the structural support of the deck as the rail posts, they play a critical role in ensuring the deck is safe to use by closing in large gaps in the railing. For this reason, balusters must be no more than 4 inches away from one another.