Can a Contractor Really Slap a Lien on Your House Without Permission?

The Expert Podcast

In this episode, we break down the truth behind contractor liens and how to protect your home:

• A contractor cannot place a lien on your home without a written contract — but there are loopholes.
• If you hire a general contractor (GC) and they bring in subcontractors (like electricians or plumbers), those subcontractors are also protected under lien laws.
• If you fail to pay your GC, they can file a lien—but only if there's a proper written agreement.
• Most states require all contracts and bids in writing; verbal agreements usually won’t hold up.
• Even if you pay your GC in full, if they fail to pay their subs or material suppliers, those parties can still file a lien on your house.
• This means you could end up paying twice unless you're careful.
• Always request lien waivers and lien releases from subcontractors and material suppliers before making your final payment.
• Examples include people delivering materials, renting out equipment, or doing specialized labor.
• Subcontractors can lien your property even without a direct contract between you and them, as long as they worked under your GC.
• Final advice: Protect yourself by collecting lien waivers and understanding the lien laws in your state.
• ⚠️ Disclaimer: We are not attorneys. This is general information only. Consult a legal professional for specific advice.

💬 Drop your questions or comments below — we’d love to hear from you and help clarify more construction and contracting topics!