Timely repairs can extend deck life but eventually all decks need replacement—see what types of problems point to a rebuild.
Snow, rain, scorching sun and Arctic winds are hard on a home’s deck. Depending on materials used, construction quality and conditions, decks typically last 10-30 years. While many decks can be repaired to extend their life, at some point rebuilding is necessary. Consider these factors when deciding which option is best.
Surface vs. structural damage
Deck components fall into two categories: surface and substructure.
If damage is limited to surface components like decking, posts, rails and stairs, repairs may be all that’s necessary.
Substructure components include the footings, support posts, beams, bridging, joists, hardware, ledger board (the board the attaches a deck to a house) and flashing. Damage or decay to any of these means rebuilding some or all of the deck.
Consider the deck’s age and build quality
If the deck suffers from superficial damage and isn’t very old, repairs are often all that’s needed.
Two factors that may tilt the scales toward rebuilding are a very old deck or one that wasn’t well-constructed by a contractor or homeowner.
When repairing or rebuilding, correct existing problems
To extend the life of an existing or new deck, correct issues that lead to problems before starting repairs or rebuilding For example, if rot from moisture, algae or mold are an issue, ensure that gutters and foundation drainage systems are moving water away from your deck. Or, if the deck is uneven due to uneven footings, level them.
Financing deck repairs and rebuilds
If you want to repair or rebuild your deck but don’t have cash on hand, a home equity loan could provide access to the funds to get the work done.
All loans subject to approval. Rates, terms, and conditions are subject to change may vary based on credit worthiness, qualifications, and collateral conditions.