Scaling Legends
March 20, 2026 42 min read

How to File a Construction Lien in California: Deadlines, Forms, and Process for 2026

How to File a Construction Lien in California: Deadlines, Forms, and Process for 2026

Protect your payment rights in California. Step-by-step guide to filing a mechanics lien including deadlines, preliminary notice requirements, forms, and enforcement under California Civil Code §8400-8494.

The construction industry in California is a landscape of innovation, opportunity, and, critically, stringent legal requirements. For contractors, subcontractors, suppliers, and design professionals, understanding how to secure payment is not just good business practice—it’s essential for survival. When traditional invoices go unpaid, the mechanics lien stands as California’s most powerful tool for securing compensation.

This comprehensive guide, tailored specifically for the Golden State, cuts through the complexity to provide a direct, no-BS roadmap for filing a construction lien in California. We’ll cover every deadline, every form, and every process step accurate to California statute, ensuring you have the precise information needed to protect your financial interests in 2026 and beyond.

California, often considered the most regulated state for construction, takes its lien laws seriously. The Contractors State License Board (CSLB) actively enforces licensing requirements—a critical point, as an unlicensed contractor performing work over $500 forfeits their lien rights entirely. Navigating these waters requires precision, and this guide provides just that.

Overview of California Mechanics Lien Law

A California mechanics lien is a legal claim against real property, providing a claimant with a security interest in the property for the value of labor, services, equipment, or materials furnished for its improvement. Governed primarily by California Civil Code §8400-8494, these laws aim to protect those who enhance the value of property by ensuring they have a means to recover payment, even if the property owner or direct contractor defaults.

Unlike many states, California’s mechanics lien laws are incredibly detailed and notoriously unforgiving of procedural errors. The state’s commitment to consumer protection and fair business practices means that every step, from preliminary notice to actual recording and enforcement, must adhere strictly to statutory requirements. This isn’t merely a suggestion; it’s a legal mandate. Failure to comply with any single requirement can invalidate your lien, leaving you without this crucial payment protection.

A key aspect of California’s regulatory environment is the active role of the CSLB. Beyond licensing, the CSLB ensures contractors operate within legal bounds, including proper contract execution and payment practices. For any claimant, especially contractors, the foundational requirement is simple: you must be properly licensed by the CSLB for any work valued at $500 or more to have valid lien rights. Operating without a license, or with an improperly classified license, on a project exceeding this threshold will result in the forfeiture of your ability to file a mechanics lien.

Who Has Lien Rights in California?

California law extends mechanics lien rights to a broad array of participants in a construction project. This includes anyone who “furnishes labor, services, equipment, or materials” to a work of improvement. Specifically, the following parties typically have lien rights:

  • Direct Contractors (General Contractors): Those who have a direct contractual agreement with the property owner.

  • Subcontractors: Parties who contract with the direct contractor to perform a specific part of the work.

  • Sub-subcontractors: While less common, those contracting with subcontractors may also have rights, provided proper preliminary notice is given.

  • Material Suppliers: Companies or individuals who provide materials that are incorporated into the work of improvement.

  • Equipment Lessors: Those who rent equipment used on the project.

  • Laborers: Individuals who perform work on the project.

  • Design Professionals: Architects, engineers, and land surveyors who provide services for the planning or design of the improvement, even if the project is not commenced, provided a notice of design professional’s lien is recorded.

It’s crucial to understand the concept of “privity of contract.” Direct contractors have a direct contract with the owner. Subcontractors and suppliers, however, typically do not. This distinction is critical for preliminary notice requirements, as outlined below.

Preliminary Notice Requirements Specific to California

The 20-Day Preliminary Notice is arguably the single most important document in the California mechanics lien process for most claimants. Its purpose is to notify the property owner, direct contractor, and any construction lender that the sender has provided, or intends to provide, labor, services, equipment, or materials to the project and may claim a mechanics lien if not paid. Failure to properly serve a 20-Day Preliminary Notice within the statutory timeframe is fatal to your lien rights for any work furnished more than 20 days prior to the notice.

Who Must Send the Preliminary Notice?

In California, all claimants, except for the direct contractor (general contractor) who has a direct contractual relationship with the property owner, must serve a 20-Day Preliminary Notice. This includes subcontractors, sub-subcontractors, material suppliers, equipment lessors, and laborers. Even if you have a contract with the direct contractor, you are still considered an “indirect” claimant for preliminary notice purposes.

When to Send the Preliminary Notice

The notice must be given no later than 20 days after the claimant first furnishes labor, services, equipment, or materials to the job site. While you can send it earlier, sending it late limits your lien rights. A late notice only covers services, labor, or materials furnished 20 days prior to the date the notice is served and all work thereafter. This means if you start work on January 1st and send the notice on February 1st, you can only lien for work furnished from January 11th onwards. The best practice is to send the notice as early as possible—ideally, before or immediately upon commencing work.

Who Must Receive the Preliminary Notice?

The 20-Day Preliminary Notice must be served on the following parties:

  • The property owner or reputed owner.

  • The direct contractor or reputed direct contractor to whom the claimant has furnished labor, services, equipment, or materials.

  • The construction lender or reputed construction lender, if any.

It is the claimant’s responsibility to ascertain the identities and addresses of these parties. This often involves reviewing the building permit, county recorder records, or making direct inquiries on the job site.

Content Requirements of the Preliminary Notice

California Civil Code §8202 specifies the mandatory information that must be included in a 20-Day Preliminary Notice:

  • A general description of the labor, service, equipment, or materials furnished or to be furnished.

  • The name and address of the person furnishing the labor, service, equipment, or materials.

  • The name of the person who contracted for purchase of the labor, service, equipment, or materials.

  • A description of the job site sufficient for identification (typically the street address).

  • A statement that the claimant may file a mechanics lien, stop payment notice, or bond claim if not paid.

A specific statutory warning statement, printed in boldface type (Civil Code §8202(a)(5)):

NOTICE TO PROPERTY OWNER

EVEN THOUGH YOU HAVE PAID YOUR CONTRACTOR IN FULL, if the contractor fails to pay the subcontractors, sub-subcontractors, or property suppliers who furnished labor, services, equipment, or materials to your job site, you may have a lien placed on your property. A lien can be enforced by the sale of your property. To protect yourself, you may request from your contractor all lien releases signed by subcontractors, sub-subcontractors, or property suppliers, or you may issue joint checks for payment.

Method of Service

The 20-Day Preliminary Notice must be served by certified mail, return receipt requested, first-class registered mail, or by personal service. While personal service provides immediate proof of delivery, certified mail with return receipt requested is the most common and recommended method, as it provides verifiable proof of mailing and delivery. Keep all mailing receipts and the green return receipt cards as evidence of proper service.

Critical Deadlines and Timeline for California Mechanics Liens

California’s lien deadlines are precise and unforgiving. Missing a deadline, even by a single day, can irrevocably extinguish your lien rights. Pay close attention to these critical timeframes:

20-Day Preliminary Notice:

  • Deadline: No later than 20 days after the claimant first furnishes labor, services, equipment, or materials to the job site.

  • Impact: If served late, it only covers work furnished 20 days prior to service and thereafter.

Recording the Mechanics Lien: This deadline depends on whether the owner records a Notice of Completion or Notice of Cessation.

If a Notice of Completion or Notice of Cessation IS RECORDED:

  • Direct Contractor: Must record their mechanics lien within 60 days after the owner records the Notice of Completion or Notice of Cessation.

  • All Other Claimants (Subcontractors, Suppliers, etc.): Must record their mechanics lien within 30 days after the owner records the Notice of Completion or Notice of Cessation.

  • Note: A Notice of Completion must be recorded within 15 days of actual project completion. If it’s recorded later, it’s generally considered invalid, and the 90-day default deadline applies.

If NO Notice of Completion or Notice of Cessation IS RECORDED (or is invalid):

  • All Claimants (including Direct Contractors, Subcontractors, Suppliers, etc.): Must record their mechanics lien within 90 days after the “completion” of the work of improvement.

Defining “Completion”: California Civil Code §8180 defines completion in several ways:

  • Actual completion of the work of improvement.

  • Occupation or use of the work of improvement by the owner or owner’s agent, accompanied by cessation of labor.

  • Acceptance by the owner of the work of improvement.

  • Cessation of labor for a continuous period of 60 days.

  • Cessation of labor for a continuous period of 30 days or more if the owner records a notice of cessation.

Enforcement Deadline (Filing Lawsuit):

  • Deadline: A lawsuit to enforce the mechanics lien (foreclosure action) must be filed within 90 days after the mechanics lien is recorded.

  • Impact: If a lawsuit is not filed within 90 days, the lien automatically expires and becomes unenforceable. There are very few exceptions to this rule.

Step-by-Step Filing Process with California County Recorder

Filing a mechanics lien in California is a multi-step process that demands meticulous attention to detail. This is not a task for the uninitiated.

Step 1: Ensure Preliminary Notice Compliance

As discussed, for most claimants, this is the foundational step. If you failed to send a timely and proper 20-Day Preliminary Notice, your lien rights for previous work are likely compromised or entirely lost.

Step 2: Determine Your Lien Recording Deadline

Accurately identify your specific deadline based on whether a Notice of Completion or Cessation has been recorded, and when the project was completed. This is the most common point of failure for lien claimants.

Step 3: Prepare the Mechanics Lien Claim Document

The mechanics lien document itself must contain specific information as mandated by California Civil Code §8416. It is not a generic form; it must be precisely drafted.

  • Claimant Information: Your full legal name, address, and the type of business entity.

  • Owner Information: The name of the property owner or reputed owner.

  • Contracting Party: The name of the party with whom the claimant contracted (e.g., direct contractor, sub-contractor).

  • Property Description: A legal description of the property, sufficient for identification. A street address is often insufficient; you may need to obtain the legal description from the county recorder’s office or the building permit.

  • Amount Claimed: The total amount due and owing for the labor, services, equipment, or materials furnished. This amount should be precise and not include non-lienable items (e.g., lost profits, attorneys’ fees for preparing the lien).

  • Dates of Service: The date on which the claimant first furnished and last furnished labor, services, equipment, or materials to the project.

Statutory Notice: The lien claim must include a specific statutory notice printed in at least 10-point boldface type (Civil Code §8416(b)(8)):

“NOTICE OF MECHANICS LIEN

ATTENTION PROPERTY OWNER: A mechanics lien has been filed against the property described in this document. This document creates a lien against your property. If the lien is not paid, your property may be sold to pay the lien. You may have the right to order the claimant to release this lien. For more information, you may contact an attorney, or refer to the State Contractor’s License Board (CSLB) for information and assistance.”

  • Verification: The lien claim must be signed by the claimant (or someone authorized to act on their behalf) and verified under oath. This typically means signing it in front of a notary public.

Step 4: Record the Mechanics Lien with the County Recorder

The mechanics lien must be recorded in the office of the county recorder where the property is located. You must submit the original, properly signed, and notarized document. Most county recorders require specific formatting (e.g., paper size, margins, legibility) and charge a recording fee. Be prepared to pay this fee, which varies by county but typically ranges from $15-$20 for the first page and a few dollars for subsequent pages. Check the specific county recorder’s website for their current fee schedule and submission requirements.

Step 5: Serve the Recorded Mechanics Lien

After recording the lien, you are legally required to serve a copy of the recorded lien on the property owner. This step is often overlooked but is critical for the lien’s validity. California Civil Code §8416(c) mandates that a copy of the recorded claim of mechanics lien must be served on the owner or reputed owner of the property within 20 days of recording the lien. Service must be by certified mail, return receipt requested, first-class registered mail, or personal service. Retain proof of service.

Enforcement Deadline: Filing a Lawsuit to Foreclose the Lien

Recording a mechanics lien is only the first step in securing payment. The lien itself does not guarantee payment; it merely provides a legal encumbrance on the property. To actually collect on the lien, you must file a lawsuit to enforce or “foreclose” the mechanics lien. This is a judicial process where a court orders the sale of the property to satisfy the lien claim.

The deadline for filing this lawsuit is strictly enforced: you must file a complaint to foreclose the mechanics lien within 90 days after the mechanics lien was recorded. If you fail to file the lawsuit within this 90-day window, the lien automatically expires and becomes null and void. There are no extensions or do-overs for this deadline.

In addition to filing the lawsuit, you must also record a “lis pendens” (notice of pendency of action) with the county recorder where the property is located. This notice informs any potential purchasers or lenders that a lawsuit concerning the property’s title or possession is ongoing, preventing the property from being sold free and clear of your lien during the litigation.

Lien Waivers Under California Law

Lien waivers are documents exchanged in construction that waive a claimant’s right to file a mechanics lien in exchange for payment. In California, lien waivers are highly regulated to protect contractors and suppliers from unknowingly surrendering their rights. Only the four statutory lien waiver forms specified in California Civil Code §8132 are valid and enforceable. Any other form of lien waiver is generally considered void and unenforceable under California law.

The four statutory forms are:

  • Conditional Waiver and Release Upon Progress Payment: This waiver becomes effective only upon the claimant’s receipt of the payment specified in the waiver. It’s used for progress payments.

  • Unconditional Waiver and Release Upon Progress Payment: This waiver is effective immediately upon signing, regardless of whether payment has actually been received. It should only be signed when you have received and confirmed clearance of the progress payment.

  • Conditional Waiver and Release Upon Final Payment: Similar to the conditional progress payment waiver, this becomes effective only upon receipt of the final payment.

  • Unconditional Waiver and Release Upon Final Payment: This waiver is effective immediately upon signing and fully releases all lien rights up to the date of the waiver. It should only be signed when you have received and confirmed clearance of the final payment.

Critical Warning: Never sign an “unconditional” lien waiver unless you have the funds physically in hand and they have cleared your bank. Many claimants unknowingly sign unconditional waivers upon submitting an invoice, only to find themselves without payment and without lien rights. Always opt for a conditional waiver unless you are certain the payment has been secured.

Bond Claims on California Public Projects (Little Miller Act Equivalent)

Mechanics liens are claims against private property. They cannot be filed against public property (e.g., schools, government buildings, public roads). For public works projects in California, the equivalent protection for unpaid contractors, subcontractors, and suppliers is a claim against a Public Works Payment Bond, often referred to as a “Little Miller Act” claim.

California’s Little Miller Act (Civil Code §9550 et seq.) requires direct contractors on most public works projects to furnish a payment bond. This bond acts as a substitute for the lien remedy, guaranteeing payment to those who furnish labor or materials to the project.

Notice Requirements for Bond Claims

  • Preliminary Notice: Similar to private projects, most claimants (except direct contractors) must serve a 20-Day Preliminary Notice for bond claims as well. This notice is generally the same form and served in the same manner as for private projects.

  • Stop Payment Notice (Optional but Recommended): For public works, claimants can also serve a “Stop Payment Notice” on the public entity. This notice requires the public entity to withhold funds from the direct contractor to cover the claimant’s unpaid amount. This notice has its own specific content and service requirements (Civil Code §9350 et seq.).

  • Bond Claim Notice: If the 20-Day Preliminary Notice was not sent, a claimant can still make a claim against the payment bond if they give written notice to the surety and direct contractor within 15 days after the recording of a notice of completion or 75 days after completion of the work of improvement if no notice of completion is recorded.

Lawsuit Deadline for Bond Claims

A lawsuit to enforce a claim against a public works payment bond must be filed within six months after the period in which a stop payment notice may be given. This effectively means within six months of the project’s completion or the recording of a notice of completion, depending on the specifics.

Common Mistakes That Invalidate California Liens

California’s mechanics lien system is a minefield of potential errors. Even a minor deviation from statutory requirements can be fatal. Here are the most common mistakes that invalidate California liens:

  • Failure to Send Timely Preliminary Notice: This is the number one reason liens fail. Missing the 20-day window or serving it incorrectly voids lien rights for much of the work.

  • Unlicensed Work: For projects over $500, performing work without a proper CSLB license (or with an improperly classified license) absolutely bars your right to a lien.

  • Missing Lien Filing Deadline: Miscalculating the 30, 60, or 90-day deadline after completion or notice of completion/cessation is a common error.

  • Incorrect Property Description: Using only a street address instead of a full legal description, or providing an inaccurate legal description, can render the lien unenforceable.

  • Overstating the Lien Amount: Deliberately claiming more than what is legitimately owed can lead to forfeiture of the entire lien and potential liability for damages.

  • Failure to Serve the Recorded Lien: Neglecting to serve a copy of the recorded lien on the owner within 20 days of recording.

  • Missing the Lawsuit Enforcement Deadline: Filing the lien is only half the battle. Failing to file a lawsuit to foreclose within 90 days of recording makes the lien expire.

  • Improper Notarization or Verification: The lien claim must be signed under penalty of perjury and properly notarized.

  • Using Invalid Lien Waiver Forms: Accepting or signing non-statutory lien waiver forms can inadvertently extinguish lien rights.

  • Claiming Non-Lienable Items: Including items like lost profits, consequential damages, or attorney’s fees incurred for preparing the lien in the lien amount.

Lien Release and Discharge Process

Once a mechanics lien claim is satisfied (i.e., you receive full payment), you have a legal obligation to release the lien from the property. This process involves recording a “Release of Mechanics Lien” document with the same county recorder’s office where the original lien was filed. California Civil Code §8488 requires that within 10 days after demand by the owner, if the lien has been satisfied, the claimant must record a release of the lien.

The release document should clearly identify the original mechanics lien by its recording date and instrument number (or book and page number). It must be signed by the claimant and properly notarized.

Consequences of Failure to Release: If a claimant fails to record a release within the statutory timeframe after being paid and demanded to do so, they can be liable to the property owner for actual damages resulting from the failure, plus a statutory penalty of $500. Prompt release is not just a courtesy; it’s a legal requirement.

California-Specific Filing Fees and Costs

The costs associated with filing a mechanics lien in California primarily consist of:

  • County Recorder Recording Fees: These vary by county. Typically, expect to pay around $15-$20 for the first page of the document and a few dollars for each subsequent page. A standard mechanics lien is often 2-3 pages. Check the specific county recorder’s website for their current fee schedule.

Service Fees:

  • Certified Mail: Expect to pay for certified mail with return receipt requested (usually $5-$10 per mailing). You will need to send the preliminary notice, and then a copy of the recorded lien.

  • Process Server: If you opt for personal service (especially for a lawsuit), professional process server fees can range from $75-$150 or more, depending on location and difficulty of service.

  • Notary Fees: Most documents (preliminary notice, lien claim, release) require notarization. Notary fees are typically $15 per signature.

  • Legal Fees (If Applicable): If you hire an attorney to draft the lien, review documents, or pursue litigation, these costs will be significantly higher, often ranging from several hundred to several thousand dollars, depending on the complexity and stage of the process.

While these costs are generally not recoverable as part of the lien amount itself (unless specifically allowed by contract or statute in a lawsuit), they are necessary expenses to protect your rights.

When to Hire a California Construction Attorney

While this guide provides a detailed roadmap, it is not a substitute for legal advice. California mechanics lien law is complex, and mistakes can be costly. You should strongly consider hiring a California construction attorney in the following situations:

  • Complex Projects: Large commercial projects, multi-unit residential developments, or projects with multiple owners or financing layers.

  • Disputed Amounts: If the amount owed is contested, or there are back charges, set-offs, or claims of defective work.

  • Foreclosure Actions: Filing a lawsuit to foreclose a mechanics lien is a complex legal proceeding that requires an attorney.

  • Public Works Bond Claims: Navigating bond claim requirements and deadlines can be as intricate as private liens.

  • Stop Payment Notices: Properly drafting and serving stop payment notices requires precise legal knowledge.

  • Any Doubt About Compliance: If you are unsure about any deadline, content requirement, or service method, consulting an attorney is prudent.

  • High-Value Claims: For claims involving substantial amounts of money, the cost of an attorney is often a wise investment to protect your interests.

  • When Facing Counterclaims: If the owner or direct contractor threatens to sue you for slander of title or other claims.

An experienced California construction attorney can ensure all statutory requirements are met, maximize your chances of recovery, and represent you effectively in any disputes or litigation.

Technology Tools for Tracking California Lien Deadlines

Given the strict deadlines and intricate requirements of California lien law, relying solely on manual tracking methods can be risky. Modern technology offers robust solutions to help manage these critical dates:

  • Lien Management Software: Specialized software platforms are designed specifically for tracking preliminary notices, lien deadlines, and project information across multiple projects. These tools often integrate with project management or accounting software and can automate notice generation and sending.

  • Cloud-Based Project Management Systems: Platforms like Procore, Buildertrend, or CoConstruct often have features for document management and scheduling that can be adapted to track lien-related tasks and deadlines.

  • Dedicated Calendar and Reminder Systems: Utilizing robust digital calendars (e.g., Google Calendar, Outlook Calendar) with multiple reminder alerts can be effective for individual projects. Set reminders for preliminary notice due dates, lien recording deadlines, and lawsuit filing deadlines.

  • Document Management Systems: Tools like SharePoint, Dropbox, or Google Drive can help organize all lien-related documents (contracts, invoices, preliminary notices, proofs of service, recorded liens) in a centralized, accessible location.

Implementing even basic digital tracking can significantly reduce the risk of missing a critical deadline and jeopardizing your lien rights in California.

Frequently Asked Questions About California Mechanics Liens

Q: Can an unlicensed contractor file a mechanics lien in California?

A: No. Under California Business and Professions Code §7031, an unlicensed contractor cannot file a mechanics lien for any work valued at $500 or more. This is a strict rule with very few exceptions. Ensure your license is active and properly classified for the work performed.

Q: What if the property owner files for bankruptcy after I record my lien?

A: When a property owner files for bankruptcy, an automatic stay goes into effect, which generally halts all collection actions, including attempts to enforce a mechanics lien. However, a properly recorded mechanics lien may still be a secured claim in bankruptcy, giving you a better chance of recovery than an unsecured creditor. You must consult with a bankruptcy attorney immediately to navigate this complex situation.

Q: Can I include attorney’s fees or lost profits in my mechanics lien amount?

A: Generally, no. The mechanics lien amount in California is limited to the reasonable value of the labor, services, equipment, or materials furnished. It typically does not include consequential damages, lost profits, or attorney’s fees incurred for preparing and recording the lien. However, if your contract specifically provides for attorney’s fees in the event of a dispute, you might be able to recover them if you prevail in a lawsuit to enforce the lien.

Q: What is a “Notice of Non-Responsibility” and how does it affect my lien?

A: A Notice of Non-Responsibility is a document that a property owner can record if they become aware of work being performed on their property that they did not authorize (e.g., a tenant making improvements). If properly recorded and posted within 10 days of discovering the work, it can protect the owner from mechanics liens for that unauthorized work. If you receive a Notice of Non-Responsibility, your lien rights may be severely limited or eliminated, and you should immediately consult an attorney.

Q: What happens if I overstate the amount of my lien claim?

A: Intentionally and fraudulently overstating the amount of a mechanics lien claim can lead to the forfeiture of the entire lien and potentially expose the claimant to liability for damages (including attorney’s fees) to the property owner for slander of title. While minor errors are usually excusable, gross overstatements or intentional misrepresentations are taken seriously by California courts.

Q: Do I need to send a Preliminary Notice if I have a direct contract with the owner?

A: No. Under California Civil Code §8200(e)(1), a direct contractor (one who has a direct contractual relationship with the property owner) is generally not required to send a 20-Day Preliminary Notice. However, it’s often a good practice to send one anyway, especially if there’s a construction lender, to ensure all parties are aware of your involvement and to protect potential stop payment notice rights.

Q: How long does a mechanics lien stay on the property’s record?

A: A mechanics lien, if not enforced by a lawsuit, automatically expires 90 days after it is recorded. However, if a lawsuit to enforce the lien is filed within that 90-day period and a “lis pendens” (notice of pendency of action) is recorded, the lien remains effective until the lawsuit is resolved, which can take months or even years.

The information provided in this article is for general informational purposes only and does not constitute legal advice. California mechanics lien law is highly complex and specific. Always consult with a qualified California construction attorney for advice regarding your specific situation.

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How to Initiate Your California Construction Lien Claim This Week

  • Verify Your CSLB License Status. Before proceeding, confirm your contractor’s license is active and properly classified for the work performed, especially if the project value exceeds $500, as an unlicensed contractor forfeits lien rights.

  • Confirm Your Eligibility for Lien Rights. Review your role in the project (e.g., direct contractor, subcontractor, supplier) against California Civil Code §8400-8494 to ensure you are a party legally entitled to file a mechanics lien.

  • Gather All Essential Project Documentation. Immediately collect copies of your contract, invoices, change orders, delivery tickets, and any communication related to the unpaid work or materials. Organize these documents to establish a clear timeline and accurate claim.

  • Calculate Your Exact Lien Amount. Compile a precise sum of all unpaid labor, services, equipment, and materials furnished for the project. Ensure this amount is accurate and fully justifiable with your gathered documentation.

  • Prepare to Serve Your 20-Day Preliminary Notice. For most claimants (excluding direct contractors with a direct contract with the owner), this is the critical first formal step. Identify all required recipients (owner, direct contractor, lender) and prepare to mail this notice within 20 days of first furnishing labor or materials, using certified mail with return receipt requested.

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