Massachusetts Realty Group

Credentials to check before any exterior contractor signs

This page lists what to ask a roofer, siding or window installer to show before signing, and how to check each item with the state office that keeps the record. It is written by a realty group, which holds no trade licence and makes no claim of one for itself. Nothing here vouches for any particular company.

Paperwork is the first thing to read, not the last

A contract for exterior work is only as good as the paperwork behind the person who signs it. Before a sale, that paperwork matters twice: once for the repair itself, and once because a buyer's inspector or a lender may ask what was done and by whom. Many of the questions a reader needs answered are not hard, but they are easy to skip when a crew is waiting and a closing date is close. This page sets out four items to ask for, and says where each one can be checked. Each item is checked against a state record or a written document, not against the contractor's own word. A reader who asks for these items at the start saves time at the end.

Ask for the paperwork before you ask for the price. A price given before the paperwork is in hand cannot be compared with anything. The paperwork is what makes the price a fair number to set beside another.

The four items are the state registration for home improvement work, a current certificate of liability insurance, a certificate of workers' compensation coverage, and a written warranty with its terms. Each one answers a different risk: who is licensed to do the work, who pays if someone is hurt, who pays if the work fails, and what the warranty actually covers. Ask for copies in writing, and keep them with the report. A verbal promise is not a substitute for any of the four. A contractor who will not provide one of them should come off the list.

A roofing crew repairing storm-damaged shingles on a house roof with workers on the roof
The scope on paper should describe the same roof work the crew is doing, item by item, so the paperwork and the job can be checked against each other.

Where a window job needs its paperwork to be specific

A window installation is one of the jobs where a short quote hides the most. The frame, the flashing and the trim all sit inside the same opening, and each one can be left out of a quote without anyone noticing until the first wet season. Ask for the frame and the flashing to be named in the written scope, along with the sealant and the interior trim. Ask also whether the warranty covers the labour as well as the window unit, since the two are often separate. A reader should compare two window scopes line by line rather than comparing the totals. The pins mark the two places where a reader should look first.

Two workers in gloves lifting a three-panel bay window unit into the front opening of a wood-frame house
The lift in this picture is the moment the frame and its flashing go into the opening, so the written scope should name both.

Insurance, warranty and the written scope

Ask for a current certificate of liability insurance, naming the contractor and the policy period, and ask that it covers the date of the work. Ask for a certificate of workers' compensation coverage as well, because an uninsured worker injured on a house can turn a repair into a claim against the homeowner. The Massachusetts Department of Industrial Accidents keeps workers' compensation records, and its online check can help confirm that a policy is in force. A warranty should be in writing and should say what it covers, for how long, and who does the work if it is needed. Ask whether the labour is covered as well as the materials, and whether the warranty passes to a later owner.

The written scope comes last in this list, but it is the item that makes the others useful. It should list the work, the materials, the removal of old material and any permit, each with its own line. A scope that says only roof repair or window replacement cannot be compared with anything. Ask for the scope before the price, and read the two side by side. The scope is the document a buyer's inspector or a lender may ask to see.