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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.

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