Deck Repairs & Insurance: Top Secrets to Work with Insurance

Table of Contents

If you have suffered property damage to your deck, it is good to know that your homeowner’s policy might cover it. The first thing you need to do is to read your homeowners policy carefully to make sure the deck is covered and if any exclusions apply. Once you have determined that your homeowner’s policy would cover the damage, here are a few tricks to be successful in recovering the costs.
Royal Deck Insurance Claims

1. Determine What Is Covered

When looking under your homeowner’s policy, you need to determine whether it is under the “dwellings” portion of your policy or in the “other structures” portion. If your deck is attached to your house, it may be covered under the “dwellings” portion as long as it is attached permanently. If it is a standalone structure, such as a deck around a pool, then it will probably be covered under the “other structures” portion. You will need to check these sections thoroughly to understand the limits of the coverage. They will usually not cover any damage that is due to wear or a lack of upkeep.

2. Document the Damage with Photos

The first thing you need to do is to document the damage with photos. These photos should be taken the day the damage occurs, and you should make sure to have the time and date stamp enabled on your camera. Do not start cleaning up the damage until you have the photos. You want to make sure you show how bad the damage is and document every potential issue you see. Some contractors will use your photos to give an estimate.

3. Start Your Claim As Soon As Possible

The next step is to start your claim as quickly as possible. The longer you wait, the longer it will take to get your deck repaired. Also, if there has been a major storm or natural disaster in your area, you want to make sure that you get in line as quickly as possible.

4. Find a Contractor Who is Experienced

Some contractors are experienced in dealing with insurance companies and will be willing to take over the process once you have started the claim and paid your deductibles. This takes the hassle out of the process for you, and they are used to dealing with it. They are familiar with the process, and this means that their bids are less likely to be rejected.

Royal Deck is a leading deck contractor serving homeowners across Illinois and Georgia. We can help if your deck needs to be repaired from storm damage, or if you would like to put in a new one. We provide reliable consultation, design, and installation of decks for homeowners throughout our service areas. Contact us, and we can get started on the process as soon as possible.

Frequently Asked Questions

Can a deck built without a permit affect my insurance claim?

Yes, and this is one of the most important things to know. If your deck was built without a permit and sustains damage, your insurer may deny the claim entirely. This is one of the reasons Royal Deck handles all permitting before construction begins.

What happens when the insurance company sends an inspector?

After you file your claim, the insurer will send an adjuster to assess the damage in person. Their findings will determine how much you are paid and whether the deck will be repaired or replaced. Having detailed photos taken on the day of the damage gives you strong supporting evidence if their assessment does not match the actual cost of repairs.

What can I do if my insurance claim is denied?

A denial is not always the final word. You have the right to file a written appeal with your insurance company, and most policies have a limited window to do so. Including additional photos, contractor estimates, and weather reports from the day of the damage can help support your case.

Does homeowners insurance cover normal wear and tear on a deck?

No, and this is one of the most common reasons claims are denied. Homeowners insurance is designed to cover sudden and accidental damage, such as storm or fire damage. Damage caused by age, neglect, or lack of maintenance is considered the homeowner's responsibility and will not be covered.