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This is very important, since an estimate is just that. Many contractors will submit a "paper estimate", meaning they've written the estimate down on paper. The bill is the true amount owed and will almost always say "Invoice" or "Bill" at the top of the page. The bill should also list the date it was issued, the due date of payment, and a list of services rendered.
Always ask for references, and always check them. Keep in mind though that the only references you'll get are people who the contractor is certain will give him a good review. You'd also be well advised to check online review sources in Haverhill as well, which will give you a broader view of customer satisfaction for a given company.
These first two questions should only relate to services or good purchased directly from the service provider. Many products carry their own warranties, like roofing shingles or siding. It's useful to know what these warranties cover as well as how long they last. The "warranty agent" question is important, because often warranty agents work with the manufacturer to get you repairs under warranty at a much lower price.
The question is great for some industries and non-applicable for others. A general contractor, for example, will by definition employ subcontractors. Most Haverhill HVAC companies do not, but there are exceptions. You should always ask this question to your service providers. If they do use subcontractors, ask if they're all licensed and insured independently.