我家今年四月换了房顶，contractor 说我们只付deductible就行了，其余的由保险公司负责，但换完房顶之后，收到的账单比保险公司给的金额多出一倍还多。他们发帐单前曾经向保险公司申请加款，保险公司不同意，但建筑商说如果不付就put lien 在你的房子上。我和建筑商签订的合同中的总金额清楚标明 $0+deductible，并有 claim#,但是遇到这样的建筑商应该怎么处理？放lien 的条件是什么，能随便加吗。很头疼！求助各位大侠们，谢谢
不过你也有错, 怎么地在签合同之前也应该和你的保险公司联系一下, 看看这样的合同有什么条件和限制.
Yes, they can put a special lien called mechanic's lien or construction lien (depend on the states) on your property.
No, here is a longer story.
Usually, people can only put liens on your house once they won in a court case and have a judgment debt against you. They can then put the judgment debt as a lien on your house to prevent you from running away from your debt.
However, this process is not suitable for contractor's. A home owner can sell the house before a court case is commenced to avoid any disputed debt.
So a special process called "mechanics lien" or "construction lien" is set up in state law. The lien can be recorded by the contractor performing the work, ususally within 90 days after a service is provided. HOWEVER (READ CAREFULLY)...
the mechanics lien expires if the contractor doesn't sue in court within a year (or whatever the duration set up in the state law). In another word, the mechanics lien give a contractor a quick way to hold up customer's property for a disputed payment, but to hold the property permanently, the contractor has to sue the customer in a court room and prove that the debt is warranted.
Therefore, if a contractor just use mechanics lien to harrass people, he can harrasse people for one year after the mechanics lien is entered. Usually contractor don't bother with suing the customer because the legal expense usuallly cost more than the disputed amount. But most people don't know that, they thought the mechanics lien is forever and they don't want to enter the legal process, so they usuallly negotiate a settlement.
File a claim with Butter Business Bureau 3. File a case with Federal Trade commission. 并通知他们，他们会scare to death, 马上跟你道歉
first check is about helf of the claim money (-deductble), second check will send to you after the job done. When your insurance give you the Claim number,should told you about this payment mothed, they don't want you have the whole payment and don't fix the roof.I received my second check this week without any problem, then I will pay my contractor . The second helf IS NOT EXTRA
WORK! The statement on the second check is: THIS PAYMENT HAS BEEN ISSUED UNDER THE DWELLING COVERAGE OF YOUR POLICY FOR SUPPLEMENTAL REPAIR COSTS. Your problem is miscommunication between you,contrctor and insuranse company.
insurance company sent an inspector to check the roof and report back to insurance company. Insurance company sent us an estimate $ based on the report. We then choose the contractor. Lesson learnt:1. Do not lock to just one contractor. 2. Google the contractor. 3. Read the Contrat /Agreement with extra caution.
They did extra work without notifying me and insurance company. After the job was done. They submitted the report to me and insurance company claiming that they did such and such extra work. But insurance company denied because they did not submit supplement before hand. I can not stop them doing this. They just told me that you have to pay for the extra (about $9000.00 more)