Updated November 6, 2026
A mechanics lien is a legal claim against a property by someone who worked on it or supplied materials and was not paid. It can apply even if you paid your general contractor. Protect yourself by asking for signed lien waivers from the contractor and major subcontractors with each payment. Rules vary by state.
You pay the general contractor, who fails to pay the supplier. The supplier files a lien on your home.
A signed form saying that a party has been paid up to a date. Ask for one with each payment.
Deadlines are short and state-specific, so speak to a local attorney. This is general information, not legal advice.
Use the payment schedule.
Sources: Washington L&I, Oregon CCB and New York DOL open data; © OpenStreetMap contributors (ODbL) · Data last updated November 6, 2026 · Sources & method
