A. If a contractor is unlicensed, they may be subject to enforcement action, which can result in job delays while they obtain the required license or building permit. In addition, unlicensed contractors may not carry liability, disability, or workers’ compensation insurance, leaving the homeowner financially responsible in the event of property damage, worker injuries, or other issues. Hiring an unlicensed contractor also carries the risk of poor workmanship or code violations, as well as the risk of scams or fraud, such as taking deposits without completing the work. By contrast, licensed contractors in Rockland County have verified experience within their license categories, maintain the required insurance policies, and are able to apply for building permits, ensuring that work performed is reviewed and approved by the Building Department.