Are Decks Covered By Homeowners Insurance in Georgia?

What You Need to Know About Deck Coverage in Georgia

Decks are a major part of outdoor living in Georgia, offering a space for relaxing, entertaining, and enjoying the natural beauty of the region. But when storm damage, fire, or accidents strike, many homeowners wonder if their deck is protected under their homeowners insurance policy. In most cases, yes—homeowners insurance in Georgia does cover decks, but the details depend on your policy and the cause of damage. Here’s what you should know to make sure your deck is fully protected.

When Decks Are Covered

Decks are typically considered part of your home’s “dwelling” or as an “attached structure,” meaning they fall under the same protections as the rest of your house. If your deck is directly connected to your home, it is usually covered under the dwelling coverage section of your policy. For detached decks or freestanding platforms, coverage may fall under the “other structures” section of your policy, which also includes things like sheds, fences, and garages. Both types of coverage help repair or replace the structure if it’s damaged by a covered peril.

Covered Perils Typically Include

• Fire or lightning
• Hail and windstorms
• Falling trees or branches
• Vandalism or theft
• Damage caused by the weight of snow or ice

In Georgia, wind and hail are among the most common causes of deck damage, especially during spring storms and hurricane season.

When Decks Are Not Covered

Homeowners insurance does not cover damage caused by neglect or lack of maintenance. If your deck has rotted over time or collapsed due to improper construction or age, your claim is likely to be denied. Insurance also won’t cover issues like termite damage, mold, or gradual wear and tear. These are considered preventable through routine maintenance and upkeep.

Optional Coverage and Upgrades

If your deck includes high-end features like an outdoor kitchen, fire pit, or custom lighting, make sure your coverage limits are high enough to reflect the full value of the structure. You may also consider adding an endorsement or rider to increase your “other structures” coverage, especially if your deck is detached or unusually large. This can help bridge the gap between standard limits and your actual replacement cost.

How to File a Deck-Related Claim

• Document the damage with clear photos
• Call your insurance company as soon as possible
• Keep receipts for any emergency repairs
• Get an inspection or quote from a licensed deck contractor

Working with a local professional like North Georgia Elite Decks can make the claims process smoother and ensure repairs are done right.

Protect Your Deck Investment

While most Georgia homeowners insurance policies do cover decks, understanding the limits and conditions of your specific policy is key to avoiding surprises. Regular maintenance, prompt storm response, and working with a reliable contractor will help keep your deck protected and looking great for years to come.

At North Georgia Elite Decks, we not only build beautiful custom decks—we can also help you navigate insurance claims and storm damage repairs. Contact us today for expert support.