If projected repair cost is more than 60% of a from-scratch replacement, replace. Below 60% and the pilings are sound, repair. This is the same rule insurance adjusters use.
The 60% rule
Structural triggers that force replacement
- Waterline decay on more than 30% of pilings
- Visible sag or settlement in the deck
- Framing rot at more than 25% of joist connections
- Failed permitted footprint (e.g., bulkhead movement)
- Dock age over 25 years on pressure-treated, or over 35 years on IPE
When repair is the right call
- Decking is degraded but framing and pilings are sound — board replacement only
- Hardware corrosion without structural rot — full re-fastening with 316 stainless
- Storm damage to a single section — partial rebuild
- Float drum failure on an otherwise sound floating dock — float replacement