Badge - Rated by Super Lawyers Victor A. Rotolo
Badge - Million Dollar Advocates Forum
Badge - Multi Million Dollar Advocates Forums
Badge - New Jersey Supreme Court Certified Attorney
Badge - New Jersey's Best Lawyers For Families 2018
Badge - Rated by Super Lawyers
Badge - AV Preeminent Victor A. Rotolo
Badge - Client Champion Gold 2020
Badge - Hunterdon County Chamber of Commerce
Please click Award & Selection Criteria & Methodology for information regarding the specific criteria used for selection of each of the above awards.

September 2017 - The Pitfalls of Using Unlicensed Contractors

Hammer and Nail Fall weather is perfect for home improvements – not too hot, not too cold, and the days are still long enough to get things done. But even devout “do-it-yourselfers” know some projects are better left to professionals. Do your homework before hiring to avoid these risks:

Home Improvement Fraud – This complaint was number two on the Top 10 Consumer Complaints list last year (down from the number one spot it occupied since 2010), according to the State’s Department of Law and Public Safety. Unlicensed contractors aren’t accountable to anyone whereas licensed contractors are regulated by the states in which they do business.

Most consumer fraud complaints relate to poor workmanship, missed deadlines and failure to start or complete projects. New Jersey’s Home Improvement Practices Act aims to protect consumers and requires contractors put certain things in writing, including:

  • contractor’s name, address and registration number;
  • project start and end dates;
  • description and cost of work to be performed; and
  • description of supplies and materials.

Additionally, New Jersey requires a general contractor have a minimum of $500,000 in contractor’s liability insurance per instance for registration.

Financial Liabilities – It may be tempting to go with lower-cost unlicensed contractors, but licensed general contractors carry the mandatory contractors’ liability insurance and its employees and subcontractors are covered by worker’s compensation insurance as required to cover damages or injuries. If you don’t have a licensed general contractor, that liability falls on you.

Recruiting a friend to help with your project isn’t the answer. Your friend’s insurance may cover medical expenses if he or she gets injured, but that insurance company can then seek reimbursement from you through a subrogation proceeding.

Most homeowner’s insurance policies aren’t enough to cover extensive medical expenses, lost wages, or expensive damage repairs. In fact, most policies contain exclusions for such claims.

Conclusion: Taking shortcuts on your home improvement project isn’t worth the risk; that being said, enjoy the results of your next home improvement project!

What Our Clients are Saying

The absolute BEST!!! I have a family of attorneys but needed someone local. Victor was recommended to me and words cannot describe how pleased I was with his firm. The outstanding service and attention each member of his staff gave to me surpassed any and all expectations. Victor surrounds himself with a hardworking team that he leads. I felt it was money spent wisely. I will continue to recommend Victor and his associates.

- Stephanie

Mr. Rotolo has helped me numerous times in legal matters and has continued to support and help me through countless hardships. He is dedicated to providing the best service and is a true professional. I will continue to consult with him regarding any legal issues in the future. He is a respectable, hardworking, kind hearted man and I would recommend his legal services to anyone.

- Matthew

I am an attorney and have practiced law for 26 years. I hired Vic to handle a very difficult family matter because I do not handle family law. Vic was extremely competent and obtained a result far beyond my expectations. Without his counsel my son's and family's life would have been changed forever. Thank you Vic for your good lawyering. I very much appreciate the personal attention and time dedicated to this matter. I highly recommend Vic.

- Anthony

We recently had a situation where we needed to hire an attorney. We selected Kearns Rotolo Law and I can honestly say that we were above and beyond satisfied with Vic and his team. We would absolutely recommend this firm to anyone should the need arise. We blindly picked the firm out of the phone book because I liked his ad. Now I believe that God was pointing us in the right direction. Thank you Vic and Kearns Rotolo Law for being there for us in our time of need.

- Kim

Victor's expertise, due diligence, and empathy for his client made my first experience with the law (and last) a non-stressful one. Before the case, I did my research and looked over about 20 lawyers before choosing Victor. All my sources pointed to him as the best and they weren't off even a bit. Victor treated my case like it was his own and kept me up to date with all my appointments, breakthroughs in the case, and guided me step through step in a process that I never thought that I had to come to endure. If Victor's not available Susy will go out of her way to take care you. The productivity and efficiency in that office is second to none. Thank you Victor!

- Michael