Risks of Hiring an Unlicensed Contractor

No insurance – No liability: An unlicensed contractor typically is uninsured – you may end up being liable for personal or financial injuries to others. If they happen to damage your property , there is no insurance to cover that.

Poor qualification and poor quality work: Unlicensed contractors usually do not have the education or qualifications required of a licensee. Therefor, they usually do poor quality work and do not finish the project, leaving the homeowner to pick up the pieces.

Possible criminal background: Unlicensed contractors also pose the threat of having a lengthy list of criminal history. This list may include violent crime, sexual offenses, substance abuse, fraud and/or theft. Do you want someone like that working on your property?

Scam artists: Unlicensed contractors often disappear after taking your money. The department cannot discipline an unlicensed person or help you with any recovery of repairs or money lost. These con artists usually try to scam those in need of urgent repairs, such as hurricane damage.

Not covered under homeowner’s policy: Most homeowner policies require any repairs be done by a licensed individual.

Limited resources for broken contracts: If you have a dispute with a licensed contractor, you have rights and are able to contact the department who will take disciplinary action. However, this action is not available if the contractor is not licensed.

Noncompliance with building codes: Most projects require permits and inspections. Unlicensed contractors usually ignore such things. If you project isn’t permitted or doesn’t comply with the building code, you may have to remove or repair the work at your own expense and be subject to fines.

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