Hiring a contractor for a home renovation? Don't assume you're protected just because they hand you a Certificate of Insurance. Learn the 5 dangerous COI red flags every Central MA homeowner needs to watch out for before the hammers start swinging.

Massachusetts has some of the most progressive and stringent building energy codes in the country. While these codes are excellent for reducing carbon emissions and lowering utility bills, they create a unique financial trap for homeowners trying to rebuild an older home.

Here is what you need to know about Massachusetts "Stretch Codes," how your insurance responds, and why checking your policy’s Ordinance and Law coverage is more critical now than ever.