It depends on your policy. Many homeowners policies will cover deck replacement if it's caused by a covered peril, such as wind or hail. However, if you have an older deck that's not up to current building code standards, your insurer may not cover the replacement cost.

Deck replacement is generally considered a home improvement and is not typically covered by homeowners insurance policies. Some insurance companies may offer optional riders for an additional premium that would cover certain types of home improvements, but it is best to check with your specific insurance carrier to see if they offer this coverage.One way to protect yourself from potential costs associated with deck replacement is to have aHomeowners Replacement Cost policy. This type of policy will reimburse you for the cost of rebuilding your home, up to the stated limit, in the event that it is destroyed by a covered loss (such as fire, windstorm, etc.).