Are Materials Included in Bid? What counts are materials?

[Kristy F.]

Hello all! I have a question regarding construction bids. When the contractor that I hired signed the contract with me, he said that materials are to be covered by him, and all fixtures are to be covered by me. Now he says that he only covers lumber, nails, and screws. The rest (pipe, brackets, hold downs, anything not lumber/nails/screws) are my responsibility. Our contract does not specify what counts as materials, only materials vs fixtures. 

Is this the standard? Or is this guy being shady? I appreciate your advice.