What do I do if
Contractor filed a lien on my home.
Non-payment disputes or payment-per-phase issues.
Contractor filed a lien on my home.
Root cause
Why this happens
Non-payment disputes or payment-per-phase issues.
Know the law
Your rights as a Florida policyholder
Florida Statute 713 governs construction liens. Specific notice and dispute processes apply.
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What kind of damage?
Pick the closest match. We will ask for details later.
What to do
Solution steps
- 01
Step 1
Review lien for proper form and timing
- 02
Step 2
Consult attorney about validity
- 03
Step 3
If valid but overbilled, negotiate reduction
- 04
Step 4
File notice of contest if appropriate
No obligation. No fee unless recovery.
Dealing with this problem? Free review.
Licensed Florida public adjuster.
Similar scenarios
Related problems
Contractor overcharged for repairs.
Contractor billing exceeds estimated scope.
Contractor subcontracted without my approval.
Contract may or may not permit subcontracting.
I signed something under pressure and want to rescind.
High-pressure signing situations (post-storm, contractor visits).
Contractor did extra work without authorization.
Scope creep without change orders.
Contractor left work unfinished and claimed payment.
Abandonment before completion is breach.
Free claim review
Still building your claim? We can help right now.
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
Know the law
Relevant statutes
FS 626.854 Public Adjusters
Your representation rights.
FS 627.70131 Carrier Duties
Statutory deadlines.
FS 627.70132 Notice
When you must file.
FS 627.7142 Bill of Rights
Homeowner claim bill.
FS 626.9744 Matching
Reasonable matching requirement.
Go deeper
Related resources
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Common problems.
See also
Other common problems
Replacement cost exceeds my policy limit.
Another situation Florida policyholders face mid-claim.
Storage unit contents damaged.
Another situation Florida policyholders face mid-claim.
Emergency services billing dispute (variant 3).
Another situation Florida policyholders face mid-claim.
Coverage definition ambiguous in policy (variant 4).
Another situation Florida policyholders face mid-claim.
Enclosed porch damaged.
Another situation Florida policyholders face mid-claim.
FIGA is handling my claim after carrier insolvency.
Another situation Florida policyholders face mid-claim.
Free claim review
Your policy says more than you think. Find out what you are actually owed.
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
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