Wood Deck

Q: What is a typical replacement cost for Wood Deck?

Based on 47 calculations entered in the Claims Pages depreciation calculator, the median replacement cost for Wood Deck is $9,555 (typical range $2,000 to $19,450, as of November 7, 2026). These are amounts entered by users of this tool, not carrier settlements.

Q: What is the annual depreciation rate for Wood Deck?

Wood Deck has an expected useful life of 20 years in the Claims Pages calculator, which is an annual depreciation rate of 5.00%. Actual cash value is calculated as ACV = RCV − (rate × RCV × age), floored at zero.

Calculate the actual cash value of Wood Deck for insurance claims.

Item age (years)

Replacement cost (RCV)

Loss state (optional)

Individual calculations are not published; only anonymous aggregates appear when sample size qualifies.

From this calculator

What adjusters enter for Wood Deck

Medians of replacement costs and ages typed into Claims Pages from Aug 11, 2026 through Nov 7, 2026 — not carrier settlements.

Median RCV $9,555

Typical range $2,000–$19,450

Median age 10 yrs

Based on 47 included calculations. Entries under $10, over $1,000,000, or with age over 100 years are excluded. As of Nov 7, 2026.

Example

Using the observed median age and replacement cost: a 10-year-old Wood Deck at $9,555 RCV has an estimated ACV of $4,777.50 at 5.00% per year.

Depreciation rate: 5.00% / year

Keywords: wood deck, pressure-treated lumber, backyard deck, outdoor wood platform

Notes: Dry areas - 30 years; Wet areas - 10 years

The Depreciation Calculator should be used as a general guide only; there are many variables which can affect an item's life expectancy that should be taken into consideration when determining actual cash value.

An item that is still in use and functional for its intended purpose should not be depreciated beyond 90%.