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[Music] a mechanics lien is a lean placed on a property when a homeowner fails or refuses to pay a contractor for work performed or materials furnished you may you might say why is that a big deal and why is it part of the contract well its a part of the contract because a mechanics lien is a lien that attaches to the property and can be filed after settlement mechanics liens can be filed 90 days after the last day of the month the contractor performed the work or 90 days after termination of the work to be performed the good news is part of your settlement cost will include title insurance title insurance is a one-time fee paid at settlement that protects you from financial loss due to defects in the title that may arise after youve taken possession of the property a mechanics lien is an example of a defect standard title insurance usually doesnt cover a mechanics lien but enhanced coverage does enhanced coverage is not that much more and its better to have peace of mind especia