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Massachusetts Construction Contract: 2026 Compliance Guide

MA Home Improvement Contractor Law (HICL) makes construction contracts strict. Here's exactly what's required for residential work over $1,000.

Published 2026-04-22 · 7 min

Massachusetts Has Some of the Strictest Rules

Under the Home Improvement Contractor Law (M.G.L. c. 142A), residential construction contracts over $1,000 must meet specific requirements — or the contractor loses access to the Guaranty Fund and may face penalties.

Required Elements for MA Residential Contracts >$1,000

Payment Restrictions

MA caps upfront payments at 1/3 of contract price. Subsequent payments must be tied to completion milestones, not arbitrary dates. Final payment can only be due upon substantial completion.

Three-Day Right of Cancellation

Homeowners have three business days to cancel any home improvement contract signed in their home. Contractors must provide written notice of this right — failure voids the contract.

Free MA Construction Contract Template

iContract generates MA-compliant construction contracts with HIC number field, three-day cancellation language, and the required payment schedule structure. Free in 2 minutes.

FAQ

Do I need an HIC license for all MA construction work?

Yes for residential work over $1,000 on existing 1-4 unit dwellings. New construction and commercial work have different requirements.

What happens if I skip the required disclosures?

You lose access to the Guaranty Fund (which covers homeowner claims), face Office of Consumer Affairs penalties, and the contract may be voidable.

Can I include a 'no cancellation' clause?

No. The three-day cancellation right is non-waivable for door-to-door sales and home-signed contracts.

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