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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. In most cases, it’s not colder or freezing temperatures that affect decking materials but the amount of moisture that seeps into the materials as a result. For example, wood decking material is more likely to suffer from rot or decay when exposed to excess moisture from snow or ice. An extreme change in temperature can cause wood to expand or contract, but only if it’s not properly treated beforehand.

The life expectancy of deck boards varies widely based on the material, climate, and maintenance. Untreated wood boards typically last 10 to 30 years with proper care, while pressure-treated boards can last up to 50 years. Hardwoods generally outlast softwoods. Composite boards also tend to last longer than natural wood. Environmental factors like arid or humid climates can shorten a deck's lifespan. To extend the life of wood decking, it's important to consistently clean and seal it to protect against moisture, UV light, and insects.

Generally, a patio is more accessible than a standard deck because patios are constructed at ground level. However, decks can be made accessible by adding a wheelchair-accessible ramp, a vertical lift, or a stair lift along the entry. An ADA-compliant deck ramp costs about $3,000 on average. The additional investment will provide a much friendlier experience for your guests with movement impairments.