06/03/2026
Your deck may look solid - but damage isn't always visible. Deck collapses are more common than most homeowners think.
If the collapse is caused by something sudden and accidental, your deck may be covered by insurance. But if it's due to a lack of maintenance, pest damage, or repeated water exposure, your claim will likely be denied. Issues that develop over time are not covered by insurance.
If your deck does collapse, the first thing you need to do is ensure the safety of everyone in the area. Then make sure to document the damage with clear photos, notify your insurance provider as soon as possible, and take reasonable steps to prevent further damage.
Click here to read more about how to prevent a deck collapse: