NO. Insurance does NOT cover normal wear and tear. Maintenance and upkeep are the homeowner's responsibility.
Most homeowner's insurance policies do not cover damage caused by wear and tear or age-related deterioration. If a deck falls due to age, the insurance may not cover the repair or replacement costs. It's important to review your policy and consult with your insurance provider for specific coverage details.
how do you know if you have no fault insurance
Punch them in the face, usually resulting in them falling, as in, hit the deck! If this fails, you should run!
How many 1x6x12 deck boards to cover 800 sq.ft
yes
Most likely No. Homeowners insurance is also known as "Hazard Insurance" and "Catastrophe Insurance". So it really just depends on why your Deck Posts are sagging. Covered losses are typically things like Fire, Wind, Hail, lightning etc. Homeowners Insurance does not cover normal wear. Decks are very susceptible to normal wear and tear as they are most often exposed to the elements 24/7 and require replacement quite often. Maintenance, upkeep and even frequent replacement of Decks and deck components are considered part of the home owners normal and expected maintenance routine incidental to home ownership and are not hazard losses. Best of luck.
Check your idlers on the deck as they are the most common culprit.
Most likely a maintenanbce issue that insurance will not cover. As for rail requirements, you will need to check local codes in your area. That can be done with the local engineer's office in your town/city.
Sea legs.
A backyard deck is a great place for friends and family to gather, but you should consider getting a cover built on the deck. A cover on a deck will allow you to still sit outside and not have to deal with the weather around you. You can also get a screen to place around the deck so that the entire thing is closed in.
The answer depends on the depth to which the deck is covered.
upper deck