The Coverage A, Dwelling, on your home insurance policy should represent the Replacement Cost, or pure construction cost, of your home.

This is the amount of money that it would take to rebuild if you were to suffer a total loss.

Land, driveway, certain town multipliers &, sometimes, foundation costs should not be considered.

This amount is usually very different than your home’s market or assessor values.

If you’ve had any renovations, improvements or additions done to your home you should consider increasing your home insurance’s Coverage A, Dwelling, amount.

Please call us if you would like to review your home’s insurance coverage.

Insurance companies seem to be cracking down on decks that are not properly lag bolted to homes.

Is your deck lag bolted properly?

The most common cause of deck collapse is improper attachment to a building.  Most decks are supported on one side by the building, and on the opposite side by the earth.

The photo below shows improperly attached deck collapse:

The piece of wood that connects a deck to a building is the ledger, or ledger board.

Lag Screws

Traditionally, lag screws are the most common method of attaching decks to buildings.  To properly attach a deck ledger using 1/2? lag screws, 5/16? holes need to be pre-drilled through the ledger and rim joist.  After that, a 1/2? hole should be drilled through the ledger only.

 

Sometimes lag screws are not attached to anything substantial behind the ledger.  When a home is constructed with floor trusses and there is no rim joist for the deck to attach to, it’s important to figure out what the screws are going in to.  In the photos below, the lag screws were only attached to the fiberboard wall sheathing.

Lag screws are inexpensive, but they’re an important part of installing your deck properly.