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17D-062 (2) BP-2023-0319 15 GARFIELD ST COMMONWEALTH OF MASSACHUSETTS Map:Block:Lot: 17D-062-001 CITY OF NORTHAMPTON Permit: Exterior Res PERSONS CONTRACTING WITH UNREGISTERED CONTRACTORS DO NOT HAVE ACCESS TO THE GUARANTY FUND (MGL c.142A) BUILDING PERMIT Permit# BP-2023-0319 PERMISSION IS HEREBY GRANTED TO: Project# ROOF 2023 Contractor: License: Est. Cost: 6300 THOMAS MORIN 112460 Const.Class: Exp.Date: 07/23/2024 Use Group: Owner: SHUMWAY PHILIP R Lot Size (sq.ft.) Zoning: URB Applicant: VALLEY ROOFING AND RESTORATION Applicant Address Phone: Insurance: 143 PARKER LANE (413)230-8076 7PJUB6R27625422 LUDLOW, MA 01056 ISSUED ON: 03/13/2023 TO PERFORM THE FOLLOWING WORK: STRIP AND RE-ROOF POST THIS CARD SO IT IS VISIBLE FROM THE STREET Inspector of Plumbing Inspector of Wiring D.P.W. Building Inspector Underground: Service: Meter: Footings: Rough: Rough: House# Foundation: Final: Final: Final: Rough Frame: Gas: Fire Department Driveway Final: Fireplace/Chimney: Rough: Oil: Insulation: Smoke: Final: THIS PERMIT MAY BE REVOKED BY THE CITY OF NORTHAMPTON UPON VIOLATION OF ANY OF ITS RULES AND REGULATIONS. Signature: . cfrj'1 • i Fees Paid: $40.00 212 Main Street,Phone(413)587-1240,Fax: (413)587-1272 Office of the Building Commissioner i� I The Commonwealth of Massachusettd AAgR • FOR Board of Building Regulations and'Stan ds 7 3 20 MUNICIPALITY Massachusetts State Building CodVgi ,78.p MR USE Building Permit Application To Construct,Repair,Renova O�".i)v))polish a Revised Mar 2011 One-or Two-Family Dwelling ,f This Section For Official Use Only Otr),Ul'''f6 Building Permit Number: 60' A3— 3j q Date plied: �<�-ut►., (2,5 3-13 20Z3 Building Official(Print Name) Signature Date SECTION 1:SITE INFORMATION 1.1 Property Address: 1.2 Assessors Map&Parcel Numbers _15 Garfield St. Florence, MA 01062 1.1 a Is this an accepted street?yes no Map Number Parcel Number 1.3 Zoning Information: 1.4 Property Dimensions: Zoning District Proposed Use Lot Area(sq ft) Frontage(ft) 1.5 Building Setbacks(ft) Front Yard Side Yards Rear Yard Required Provided Required Provided Required Provided 1.6 Water Supply:(M.G.L c.40,§54) 1.7 Flood Zone Information: 1.8 Sewage Disposal System: Public 0 Private 0 Zone: — Outside Flood Zone? Municipal 0 On site disposal system 0 Check if yes❑ SECTION 2: PROPERTY OWNERSHIP' 2.1 Owner'of Record: Phillip Shumway Florence, MA 01062 Name(Print) City,State,ZIP 15 Garfield St. 413-341-3668 No.and Street Telephone Email Address SECTION 3:DESCRIPTION OF PROPOSED WORK2(check all that apply) New Construction 0 Existing Building 181 Owner-Occupied El Repairs(s) ❑ Alteration(s) 0 Addition 0 Demolition 0 Accessory Bldg.0 Number of Units Other ® Specify: Roof replacement Brief Description of Proposed Work': Remove and replace asphalt shingles, see attached estimate if further detail is needed SECTION 4:ESTIMATED CONSTRUCTION COSTS Item Estimated Costs: Official Use Only (Labor and Materials) 1.Building $ 6,300.00 1. Building Permit Fee: $ Indicate how fee is determined: ❑Standard City/Town Application Fee 2.Electrical $ ❑Total Project Cost'(Item 6)x multiplier x 3.Plumbing $ 2. Other Fees: $ 4.Mechanical (HVAC) $ List: 5.Mechanical (Fire Suppression) Total All F $ � Check NoUl 9 Check Amoun : L.1" Cash Amount: 6.Total Project Cost: $ 6,300.00 0 Paid in Full 0 Outstanding Balance Due: SECTION 5: CONSTRUCTION SERVICES 5.1 Construction Supervisor License(CSL) CS-112460 07/23/2024 Thomas Morin License Number Expiration Date Name of CSL Holder List CSL Type(see below) U 143 Parker Lane No.and Street Type Description Ludlow, MA 01056 U Unrestricted(Buildings up to 35,000 cu.ft.) R Restricted 1&2 Family Dwelling City/Town,State,ZIP M Masonry RC Roofing Covering WS Window and Siding SF Solid Fuel Burning Appliances 413-230-8076 valleyroofingandrestoration@gmail.com I Insulation Telephone Email address D Demolition 5.2 Registered Home Improvement Contractor(HIC) 185148 08/08/2024 Tom Morin D/B/A Valley Roofing and Restoration HIC Registration Number Expiration Date HIC Company Name or HIC Registrant Name 143 Parker Lane valleyroofingandrestoration@gmail.com No.and Street Email address Ludlow, MA 01056 413-230-8076 City/Town,State,ZIP Telephone SECTION 6:WORKERS'COMPENSATION INSURANCE AFFIDAVIT(M.G.L.c.152.§ 25C(6)) Workers Compensation Insurance affidavit must be completed and submitted with this application. Failure to provide this affidavit will result in the denial of the Issuance of the building permit. Signed Affidavit Attached? Yes 181 No 0 SECTION 7a:OWNER AUTHORIZATION TO BE COMPLETED WHEN OWNER'S AGENT OR CONTRACTOR APPLIES FOR BUILDING PERMIT I,as Owner of the subject property,hereby authorize Tom Morin D/B/A Valley Roofing and Restoration to act on my behalf,in all matters relative to work authorized by this building permit application. Phillip Shumway 3/10/23 Print Owner's Name(Electronic Signature) Date SECTION 7b:OWNER'OR AUTHORIZED AGENT DECLARATION By entering my name below,I hereby attest under the pains and penalties of perjury that all of the information contained in this application is true and accurate to the best of my knowledge and understanding. Tom Morin D/B/A Valley Roofing and Restoration 3/10/23 Print Owner's or Authorized Agent's Name(Electronic Signature) Date NOTES: 1. An Owner who obtains a building permit to do his/her own work,or an owner who hires an unregistered contractor (not registered in the Home Improvement Contractor(HIC)Program),will not have access to the arbitration program or guaranty fund under M.G.L.c. 142A.Other important information on the HIC Program can be found at www.mass.gov/oca Information on the Construction Supervisor License can be found at www.mass.gov/dps 2. When substantial work is planned,provide the information below: Total floor area(sq.ft.) $6,300.00 (including garage,finished basement/attics,decks or porch) Gross living area(sq. ft.) Habitable room count Number of fireplaces Number of bedrooms Number of bathrooms Number of half/baths Type of heating system Number of decks/porches Type of cooling system Enclosed Open 3. "Total Project Square Footage"may be substituted for"Total Project Cost" City of Northampton Massachusetts 1 � DEPARTMENT OF' BUILDING INSPECTIONS \ !� .' 212 Main Street • Municipal Building Northampton, MA 01060 CONSTRUCTION DEBRIS AFFIDAVIT (FOR ALL DEMOLITION AND RENOVATION PROJECTS) In accordance of the provisions of MGL c 40, S54, a condition of Building Permit Number is that all debris resulting from this work shall be disposed of in a properly licensed waste disposal facility, as defined by MGL c 111, S 150A. The debris will be disposed of in: Location of Facility: Casella Waste Systems 700 Main St. Holyoke, MA 01040 413-306-3929 The debris will be transported by: Name of Hauler: The Barnish Companies Signature of Applicant: _ Date: 3/10/23 ` "--- The Commonwealth of Massachusetts It - t 'r Department of Industrial Accidents ii - I Congress Street.Suite 100 qh.,. '1 Boston, MA 02114-2017 it,;,., .4 www.mass.go►/dia ., 1luakers' Compensation Insurance Afltdasit:BuildersiUontracturr:Electricians,Plumbers. Ill tat. F ti.l.l)'s%1111 l ill•:PEI%IITTING At I IIORI 11. . pflicant Information Please Print Legibls Name lousiness Organization Individual): Tom Morin D/B/A Valley Roofing and Restoration Address: 143 Parker Lane City/State/Zip: Ludlow, MA 01056 phone#: 413-230-8076 Are you an emplusir?Check the appropriate hut: Type of project(required): 1.❑1 ant a employ er N rah employees hull awl or part-time .• 7. a New construction 20 I am a tog proprietor or purtne,ship and hate nt employees working for nR m 8. 0 Remodeling any capacity (Nu Nu►e, comp.inurrnte required.( 30 I am a hometro net doing all Nor►inytelI.(No Norttrs'comp nnurance iegwrod.(' 9. ❑Demolition 10 0 Building addition 4.0 I am a liorm.ou net and Hill be hiring contractors to conduct all Nut.on my property- I Nill Litton:that all contra-tun either hate Norte&compensation ulsuranee or an sole 11.0 Electrical repairs or additions prpnctun with no employees. 12.0 Plumbing repairs or additions 30 I am a general contractor and I has a hued the subcontraaturs hated on the attached%bet. 13 Roof repair These subcuntracturs hate employees and hate Nu►m'comp.wurance.• 6.0 N c are a corporation and its officers hat e ctercised theirnght of catn4tiun per NKiL c. 14.®Othci Roof replacement 1522.i Ii 41.and tie hate nu 1ni11utees.(No outlier.'camp insurance requi eil •Any applicant that eh ZLs boa aI must alto fill out the section hello shoo tag their Nurkerf compensation pulse}.nfonnali ln- /Il nietin nen,NIto submit this at)Klatlt indicatura the:.,arc doing all stork and then hue outside contrrctors Inlet subout a nen affair.it indicating such :Contractors that elicd Chit hot mutt attahed an additional sheet shoo ing the name of the sub.uitratoes and state N la-lbKT cur not those entities hate ::g.l,,.cr. If the subconiractus hate employ mt.they mutt pout ode their Nutters'cump.policy ntanbcr. 1 ant an employer that is providing workers'compensation insurance for troy employees. Below is the policy and job site in/runtation. Insurance Company.Name: _ Policy#or Self-ins.Lie.4: Expiration Date: lob Site Address: 15 Garfield St. CityiStati'Zip: Florence, MA 01062 Attach a copy of the workers'compensation polio, declaration page(shooing the policy number and expiration date). Failure to secure coverage as required under 11G L c 152.§25A is a criminal siolation punishable by a line up to S 1.500.00 ant or one-year imprisonment,as well as civil penalties in the form of a STOP WORK ORDER and a fine of up to S250.00 a day against the s iolator.A copy of this statement may be forwarded to the Ottice of Investigations of the DIA for insurance cos erage verification. I do hereby certify under the point and penalties of perjury that the information provided above is true and correct. Signature: Cr—MC Rik- 3i10/23 Ilion, 413-230-8076 Oljcial use only. Do not write in this area.to be completed by city or town ofcial (ity or Town: Permit/License Si Issuing.luthorits (circle one): I. Board of Health 2. Building Department 3.City[row n Clerk 4. Electrical Inspector 5. Plumbing Inspector 6.Other Contact Person: Phone 4: ESTIMATE Valley Roofing and Restoraton, LLC Sales Representative m w ' 'Ty ROOF/N 143 Parker Lane Tom Morin Ludlow, MA 01056 (413)230-8076 0� r (413)230-8076 valleyroofingandrestoration@gmail.com CSL#CS-112460 HIC#185148 Phillip Shumway 15 Garfield St. Estimate# 1569 Florence, MA 01062 Date 2/17/2023 Item Description Price Amount Asphalt •Strip all layers of roofing on the house only-dispose $6,300.00 $6,300.00 of all debris •Furnish and install synthetic underlayment •Furnish and install starter strip •Change existing bath hood vent if needed •Furnish and install 6'ice and water barrier at all eaves, valleys,and all roof penetrations to meet MA code •Furnish and install new aluminum drip edge—Color: White •Furnish and install low profile ridge vent •Replace stack pipe collars •Furnish and install new lead flashing on chimney •Furnish and install new GAF Timberline HDZ Lifetime Shingle(color to be determined) Sub Total $6,300.00 When Paying by Cash or Check Total $6,300.00 When Paying by Credit Card Surcharge $182.99 Balance Due* $6,482.99 `Credit card payments include a surcharge of 2.9%+29¢per transaction. SPECIAL INSTRUCTIONS ***The prices in this estimate are valid for 3 weeks*** *All installations include a lifetime workmanship warranty *The prices in this estimate include labor, materials,dump fees and permits for work at address listed above. *All measurements are based on aerial photos.There may be some discrepancy. *Any needed 1x6-1 x10 pine boards will be installed at$11 per linear foot. *Any needed plywood will be installed at the following: 1/2"at$90.00 per sheet 5/8"at$110.00 per sheet 3/4"at$130.00 per sheet Document ID: 88C9FF6B-6B23-4209-86AD-78AA57E34AB2 Page 1 of 2 A ORE CERTIFICATE OF LIABILITY INSURANCE DATE(MM/DD/YYYY) 03/07/2023 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER.THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND,EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S),AUTHORIZED REPRESENTATIVE OR PRODUCER,AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED,the policy(ies)must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED,subject to the terms and conditions of the policy,certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER CONTACT LEANDRO GUIMARAES NAME: POINT INSURANCE INC PHO N.Ext): (508)552-8066 FAX No): (508)552-8065 424 BELMONT ST E-MAIL Iguimaraes@pointinsure.com ADDRESS: INSURER(S)AFFORDING COVERAGE NAIC# WORCESTER MA 01604 INSURER A: ATLANTIC CASUALTY INS CO INSURED INSURER e: TRAVELERS PROPERTY CAS CO OF AM CT HOME EVOLUTION LLC INSURER C: PO BOX 81328 INSURER D: INSURER E: SPRINGFIELD MA 01108 INSURER F: COVERAGES CERTIFICATE NUMBER: Master Cert 2023 REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT,TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN,THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES.LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR ADDL SUBR POLICY EFF POLICY EXP LTR TYPE OF INSURANCE INSD WVD POLICY NUMBER (MMIDD/YYYY) (MM/DDIYYYY) LIMITS X COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ 1,000,000 DAMAGE 10 REN i ED 100,000 CLAIMS-MADE X OCCUR PREMISES(Ea occurrence) $ MED EXP(My one person) $ 5,000 A L307002444 03/02/2023 03/02/2024 PERSONAL&ADV INJURY $ 1,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ 2,000,000 X POLICY JECT PRO LOC PRODUCTS-COMP/OPAGG $ 2,000,000 OTHER: AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT $ (Ea accident) ANY AUTO BODILY INJURY(Per person) $ OWNED SCHEDULED BODILY INJURY(Per accident) $ AUTOS ONLY AUTOS HIRED NON-OWNED PROPERTY DAMAGE $ AUTOS ONLY _ AUTOS ONLY (Per accident) $ UMBRELLA LIAB OCCUR EACH OCCURRENCE $ EXCESS LIAB CLAIMS-MADE AGGREGATE $ DED RETENTION$ $ WORKERS COMPENSATION AND EMPLOYERS'LIABILITY X STATUTE OTH- ER Y/N 1,000000 B ANY PROPRIETOR/PARTNER/EXECUTIVE Y NIA WCBTRV000195440 03/02/2023 O3/O2/2024 E.L.EACH ACCIDENT $ , OFFICER/MEMBER EXCLUDED? (Mandatory in NH) E.L.DISEASE-EA EMPLOYEE $ 1,000,000 If yes,describe under 1,000,000 DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT $ DESCRIPTION OF OPERATIONS/LOCATIONS I VEHICLES (ACORD 101,Additional Remarks Schedule,may be attached if more space is required) CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF,NOTICE WILL BE DELIVERED IN Valley Roofing and Restoration LLC ACCORDANCE WITH THE POLICY PROVISIONS. 143 Parker Ln AUTHORIZED REPRESENTATIVE Ludlow MA 01056 ©1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25(2016/03) The ACORD name and logo are registered marks of ACORD Commonwealth of Massachusetts i.� Division of Occupational Licensure • Board of Building Regqulations and Standards 'IIi Co nst for S rvisor CS-112460 eiccpires:07/23/2024 THOMAS D - p 162 PENDLETON AVE.f CHICOPEE N14 01020 �fl J� • •t°i1.1va.10 �2 � ,:�5_ b . w.aw�,�� V,W�y,� ,, unn THE COMMONWEALTH OF MASSACHUSETTS Office of Consumer Affairs&Business Regulation HOME IMPROVEMENT CONTRACTOR TYPE:Individual Registration Expiration 185148 08/08/2024 TOM MORIN D/B/A VALLEY ROOFING AND RESTORATION THOMAS MORIN 162 PENDLETON AVE. ,Z4 ` CHICOPEE,MA 01020 Undersecretary A�D DATE(iS,UDD/YYYY) CERTIFICATE OF LIABILITY INSURANCE 09/29I2022 THIS CERTIFICATE 1S ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER.THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND,EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S),AUTHORIZED REPRESENTATIVE OR PRODUCER,AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED,the policy(ies)must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED,subject to the terms and conditions of the policy,certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER CONTACT Jennifer Hamel NAME: _ Southwick Insurance Agency PHONE (413)413)569-5541 FAX (413)569-6530 -N 4A1C o rt E : IA/C,No): 562 College Hwy ADDRIe • ss: lhamelEPsouthwlckinsagency corn INSURERIS)AFFORDING COVERAGE NAIC P Southwick MA 01077 INSURER A: Crum&Forster Specialty Insurance Company 44520 { INSURED INSURER B: Thomas Morin,DBA:Valley Roofing&Restoration INSURER c: 143 Parker Lane INSURER D: 1 INSURER E: Ludlow MA 01055 INSURER F: COVERAGES CERTIFICATE NUMBER: CL.2292904057 REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED NO7VidTHSTANDING ANY REQUIREMENT,TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN,THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS. EXCLUSIONS AND CONDITIONS OF SUCH POLICIES LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. ANSR CM SUER' POLICY EFE POLICY EXP I LTR TYPE OF INSURANCE INSD WVO POLICY NUMBER (MM/OD.YYYYI (MMNDD/YYYY) LIMITS X COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE a 1.000,000 r� DAMAGE TORENIED 100,000 c AIMS•MADE I x'OCCUR PREMISES(Ea nceirrenre) S MED EXP(Any one person) 5 5,000 A BAK-69939-2 09/25/2022 09/25/2023 PERSONAL BADV INJURY 5 1.00 03 GENLAGGREGATE LIMIT APPLIES PER GENERAL AGGREGATE g 2,000,000 X POLICY PRO- LOC PRODUCTS-COMP/CPAG G 5 2.OD0,000 JECT S OTHER AUTOMOBILE LIABILITY COMBINED SINGLE Ld1T 5 (Ea acadent) ANY AUTO BODILY INJURY;Per person) 5 - OWNED SCHEDULED BODILY INJURY(Per accident) S AUTOS CI:L.Y AUTOS HIRED NON-OWNED PROPERTY DAMAGE 5 AUTOS CNLY ,AUTOS ONLY (Per a:cadent) 5 UMBRELLA LIAR OCCUR EACH OCCURRENCE r 5 — EXCESS LIAR CLAIMS-MACE AGGREGATE -S CEO RETENTION S I _ -S WORKERS COMPENSATION PER ' OTH- STATUTE ER AND EMPLOYERS'LIABILITY Y I N ANY PROPRIETOR/PARTNER/EXECUTIVE ( l NIA E L EACH ACCIDENT S OF FICER/MEMBER EXCLUDED0 (Mandatory In NH) • E L DISEASE•EA EMPLOYEE 5 If yes.describe under DESCRIPTION OF OPERATIONS Wow I E L DISEASE-POLICY LIMIT 5 T r DESCRIPTION OF OPERATIONS 1 LOCATIONS/VEHICLES (ACORD 101,Additional Remarks Schedule,may be attached if more space is required) I CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF,NOTICE WILL BE DELIVERED IN City of Northampton Dept of Budding Inspections ACCORDANCE WITH THE POLICY PROVISIONS. 212 Main Street AUTHORIZED REPRESENTATIVE Municipal Building / • -r J,14 y Northampton MA 01060 I^ r lei i^Iv �. �` 1 1 } ^ 1 O 1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25(201S/03) The ACORD name and logo are registered marks of ACORD Valley Roofing & Restoration CSL#CS-112460 HIC# 185148 Please mail permit to: 143 Parker Lane Ludlow MA 01056 or Email to: valleyroofingandrestoration@gmail.com *If you cannot do either of these can you call 413-230-8076 so that we know permit has been issued Thank you ! Tom Morin • 143 Parker Ln. • Ludlow MA 01056 • (413) 230-8076 valleyroofingandrestoration@gmail.com