Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It discloses useful behavior: results are limited to CA/FL/TX, only active/verified licensed contractors are returned, and each record includes phone and address. However, it says nothing about authentication needs, rate limits, pagination beyond 'limit', sort order, or what happens when no results match.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.