Having a licensed and insured contractor is extremely important for a number of reasons. Firstly, a licensed contractor has undergone the necessary training and has passed the required exams to prove their competence and qualifications in their field. This means that they are legally permitted to perform the work they are contracted to do, and that they have the knowledge and skills required to do it safely and to code. Secondly, having insurance means that the contractor is protected against any potential accidents or damage that may occur during the course of their work. This provides peace of mind for the homeowner, as they are not liable for any damages caused by the contractor, and it also ensures that if any accidents happen, the homeowner's property is protected and any necessary repairs will be covered. Additionally, insurance also protects the contractor against any potential lawsuits. It is also a sign of a professional company. In summary, hiring a licensed and insured contractor is essential to ensure that the work is done safely, to code and that both parties are protected from any potential accidents or legal issues.