Lien Law
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Lien waivers
A lien waiver is a receipt that states workers and suppliers will not ask you for money you already have paid the contractor. Therefore, you may want to ask your contractor to provide you with lien waivers from all subcontractors before starting work.
Do not settle for a contractor's promise he will pay everybody. If you cannot get the lien waivers, select another contractor or ask your present contractor to choose subcontractors from whom lien waivers can be obtained.
In addition to waivers as a safeguard against liens, most banks or other lending institutions require home owners to buy title insurance.
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