Is a Deck Considered Other Structures?

The classification of property elements can vary significantly depending on the specific context or purpose. What constitutes a particular structure, such as a deck, might be viewed differently for insurance, building codes, or taxation. The term “other structures” is not universally defined, and its meaning depends on the specific area of inquiry.

What Qualifies as an Other Structure

Within property insurance, “other structures” typically refers to buildings or structures on the insured property not physically connected to the main dwelling. Common examples include detached garages, storage sheds, gazebos, fences, and standalone carports.

Insurance policies commonly categorize coverage for these items under “Coverage B,” which is distinct from “Coverage A” for the dwelling itself. The coverage amount for other structures is usually a percentage of the dwelling’s coverage, often around 10% or 20%.

Decks Under Homeowners Insurance

How a deck is classified for homeowners insurance depends on its physical connection to the main house. Decks physically attached to the dwelling, sharing a common wall or foundation, are typically considered part of the “Dwelling” (Coverage A) coverage. This means they are insured as an integral component of the primary residence, with damage falling under the same coverage as the house itself.

Conversely, a detached deck, such as a standalone patio deck or one built around a pool not connected to the house, typically falls under “Other Structures” (Coverage B). For instance, if dwelling coverage is $300,000 and other structures coverage is 10%, a detached deck would be covered up to $30,000.

Decks and Building Permits

The classification of a deck for building permit purposes often differs from how it is viewed for insurance. Most decks, whether attached to the house or freestanding, typically require building permits due to structural and safety considerations. Building departments prioritize public safety, ensuring that structures meet local building codes regarding design, materials, and construction methods. The permit process involves submitting plans for review and undergoing inspections during construction.

For building permit purposes, a deck is usually considered an alteration or addition to the property, which necessitates adherence to local zoning and construction regulations. While specific terminology may vary by local jurisdiction, decks are generally subject to similar oversight as other permanent improvements. Requirements can include specifications for load-bearing capacity, railing height, and proper foundation.

Decks and Property Taxation

Adding a deck typically impacts a property’s assessed value, which can lead to higher property taxes. For property tax assessment, decks are generally viewed as permanent improvements that enhance the overall value and usability of a property. Assessors consider factors such as the deck’s size, materials, and quality of construction when determining its contribution to the property’s market value.

The increase in assessed value is not typically tied to whether the deck is considered an “other structure” or part of the “dwelling” in other contexts. Instead, it is based on the added utility and desirability the deck brings to the property. Homeowners should anticipate a potential increase in their annual property tax liability after a new deck is constructed.