Why Licensed and Insured Contractors Don’t Install Homeowner-Purchased Materials

When planning a home improvement project, many homeowners consider buying their own materials to save money. While this might seem like a cost-effective idea, most licensed and insured contractors won’t install homeowner-purchased materials—and for good reasons. At Robinson Home Builders, we believe in transparency, so here’s why this practice is uncommon and how it impacts your project.

1. Insurance and Liability Concerns

Licensed contractors in Massachusetts are required to carry both general liability and workers’ compensation insurance to protect homeowners and workers. Workers’ comp for roofers can cost as much as 50% of payroll, meaning if a roofer earns $1,000, $500 goes toward workers’ comp insurance alone. General liability insurance protects against property damage or injuries on-site, which is essential in high-risk trades like roofing.

When contractors install materials they didn’t source, they assume liability for those products. If the materials are defective or don’t meet the project’s specifications, it can void warranties or lead to costly disputes. Contractors simply can’t take on that level of risk for materials they didn’t verify or supply.

2. Quality Control and Warranty Issues

Reputable contractors source materials from trusted suppliers to ensure quality and compatibility with the project. This guarantees that the materials meet safety standards and align with the manufacturer’s specifications.

Additionally, when contractors provide materials, they can offer comprehensive warranties covering both labor and materials. However, if a homeowner supplies the materials, those warranties may not apply—leaving you unprotected if something goes wrong.

3. Added Complexity and Logistics

Creating a materials list or working with homeowner-purchased products adds complexity to the project. Contractors must spend extra time verifying quantities, ensuring compatibility, and dealing with potential delays caused by incorrect or missing items.

When contractors handle both labor and materials, the process is streamlined—ensuring everything arrives on time, in the right quantities, and meets necessary specifications. This efficiency helps keep projects on schedule and within budget.

4. The Business Side of Contracting

Running a contracting business comes with significant overhead costs beyond labor alone. These include insurance premiums, equipment maintenance, training, permits, and compliance with local building codes. By controlling every aspect of the project—including sourcing materials—contractors can maintain quality control while covering these expenses.

While we understand that buying your own materials may seem like a way to save money upfront, it often leads to complications that can jeopardize your project’s success. At Robinson Home Builders, we’re committed to providing a full-service experience that prioritizes safety, efficiency, and long-term value for your home.

If you’re planning a home improvement project or have questions about our process, feel free to contact us today! We’re always happy to guide you through every step of your project.

Sources:

1. Beantown HI: Why Roofers Licensing and Insurance Matters

2. My Roof Hub: Massachusetts Roofing Licenses & Insurance Requirements

3. Webb Financial Group: Massachusetts Roofer’s Insurance

4. Contractors Liability: Roofing Insurance for Massachusetts Contractors

5. Cross Agency: Insurance for Roofing Contractors in Massachusetts