Class 5645
When all of the carpentry work in connection with the construction of residential dwellings not exceeding three stories in height is performed by employees of the same carpentry contractor or general contractor responsible for the entire dwelling construction project, the work is assigned to Code 5645. This includes the construction of the sill, rough framework, rough floor, wood or light-gauge steel studs, wood or light-gauge steel joists, rafters, roof deck, all types of roofing materials, sidewall sheathing, siding, doors, wallboard installation, lathing, windows, stairs, finished flooring, cabinet installation, fencing, decking, detached structures, and all interior wood trim. Light-gauge steel framing is generally a thickness of 12 to 25 gauge.
Carpentry repair or remodeling of residential dwellings is also assigned to Code 5645. To qualify for Code 5645, carpentry repair or remodeling operations of an interior or exterior nature must take place along with some framing or structural carpentry renovation of the premises that would ordinarily be assigned to Code 5645. When these conditions occur, the insured is performing operations that are analogous to the construction of residential dwellings, and Code 5645 is assigned to all carpentry operations in connection with the repair or renovation project. Merely performing singular operations such as repairing or replacing cabinets or installing wallboard does not constitute work to be classified to Code 5645. These singular repair operations are assigned to the appropriate classifications representing their specific trades. However, when activities of this nature take place in connection with operations that involve some framing or structural renovation of the dwelling, Code 5645 must be assigned to these specialty operations.
Code 5645 is assigned to all types of siding installation (aluminum, cedar shingles, engineered or composite wood, seamless steel, vinyl, wood) provided that these operations are performed on residential dwellings not exceeding three stories in height.
Refer to Code 5403 for all other buildings or structures.
Building raising or moving operations are included exclusively within the scope of a single classification, Code 5703. Regardless of the fact that a verifiable payroll breakdown is maintained by an insured engaged in such operations, a division of payroll assigning a building raising or moving job to Code 5403, 5645, 5213, 5221, 6217, 5057, 5022, 6003, or 7380 is not allowed. See MA Manual Rule IV-D-8.
Exterior steel frame erection in connection with the construction of dwellings is assigned to Code 5059 for dwellings not exceeding two stories in height and to Code 5040 for dwellings exceeding two stories in height.
Class 5645
Includes all carpentry work in connection with the construction of residential dwellings when performed by employees of the same carpentry contractor or general contractor responsible for the entire construction project. Carpentry work includes the construction of the sill, rough framework, rough floor, wood or light gauge steel studs, wood or light gauge steel joists, rafters, roof deck, all types of roofing materials, sidewall sheathing, siding, doors, wallboard installation, lathing, windows, stairs, finished flooring, cabinet installation, fencing, decking, detached structures, and all interior wood trim. Residential dwellings include detached, semidetached, and attached multiunit residential buildings. The construction of multiunit residential buildings exceeding three stories in height and the construction of commercial buildings or structures, including mixed use buildings, with no height restriction must be separately rated to Code 5403.
Applies to specialist contractors installing all types of siding on residential dwellings. Refer to Code 5403 for the installation of siding on all other buildings or structures.