Building a deck is an excellent way to add value to your home and increase your quality of life. Whether you build a deck for yourself or for someone else, it’s important to be aware of the different aspects that go into the process. Before you start building a deck, you should have a good undering of the different types of decks, the materials used, and the insurance implications of building a deck.
Deck Planning
The first step is to decide which type of deck you want to build. A back deck, for example, is a great way to add a cozy outdoor space to your home. It’s also one of the most common types of decks and is relatively easy to build. If you’re looking for something a bit more extravagant, a deck for the front of your home is also an option. No matter which type of deck you choose, you should make sure that it meets the local building codes and that it’s well-built.
Building Materials
Once you’ve decided on the type of deck, you’ll need to choose which materials you’ll use. Wood decks are the most popular choice and are relatively easy to install. Pressure treated wood is a great option as it’s more resistant to rot and decay. If you’d like to go with something a bit more modern, composite decking is a great choice. It comes in a variety of colors and is less likely to warp or splinter.
In addition to the materials, you’ll need to consider the deck framing. Rim joists, joist hangers, post bases, and other components are all important for making sure your deck is safe and secure. You’ll also need to decide whether to use nails or screws to attach the deck boards.
Home Insurance
Once your deck is built, it’s important to consider insurance. Most home insurance policies will cover damages from a covered peril, such as a fire or windstorm, but it’s important to speak to your insurance agent to make sure your home insurance cover decks. Insurance companies are good at insuring a deck structure and will make it easier for you to afford deck repairs. You may also need to make sure that the deck meets local building codes in order for it to be covered.
Deck Design
Finally, you’ll need to decide on the design of your deck. There are a variety of different deck designs and deck ideas that you can choose from, including multi-level decks, wrap-around decks, and decks with built-in seating. You can also choose from a variety of decking materials, such as pressure-treated wood, composite decking, and more. Additionally, you should consider the cost of any repairs or maintenance that may be needed in the future.
Building a deck for home can be a great way to add value to your property and create a space for you and your family to enjoy. With the right planning and research, you can create a beautiful and safe deck that you’ll be able to enjoy for years to come. Just make sure to consider all of the points before you get started. Contact Health Benefit Services today to discuss what coverage you have in your homeowners policy and if your dream deck would be covered in a loss!
