Kureka ba rwiyemezamirimo, Ubukanishi, hamwe no gusana ibiza bitarangiye¶

Nyuma y’umuriro w’inzu, umwuzure, umuyaga, cyangwa amazi akomeye yasenyutse, banyiri amazu bahura n’igitutu kinini cyo gusinyana amasezerano yo gusana no kwiyubaka byihuse. Ba rwiyemezamirimo bahiga cyangwa badahomba bakunze gukoresha iki cyihutirwa basaba kubitsa hejuru cyane, guta inzu kumanuka kugirango bashireho imitekerereze n’imiterere, gukusanya iterambere ryubwishingizi, hanyuma bagatererana aho bakorera mugihe basize abashoramari nabatanga ibikoresho badahembwa. Igitangaje kurushaho ni uko ba nyir'amazu bamaze kwishyura rwiyemezamirimo rusange mu buryo bwuzuye bakunze kubona ibyemezo byemewe n'amategeko byerekana ko imbuga z’ibiti, abatanga ibisenge, cyangwa abashoramari bo mu miyoboro y’amazi banditseho ** ubukanishi bw’abakanishi ** (bizwi kandi ko ari ubwubatsi bw’ubwubatsi cyangwa ubwubatsi bw’ubwubatsi) ku buryo butaziguye ku nyungu z’umutungo, bakangisha kwambura inzu umwenda utishyuye.

Gukemura umushinga wubwubatsi watereranywe cyangwa kurengera uburenganzira bwumutungo wawe kubukode butemewe n'amategeko bisaba gutabarwa byemewe n'amategeko. Ntushobora guha akazi umwubatsi mushya bukeye bwaho kugirango urangize akazi utabanje kwerekana inyandiko nyayo yo gutererana, ukorera ** Itangazo ryo gukiza cyangwa kurangiza kubisanzwe **, gufunga amafaranga asigaye yinguzanyo yubwishingizi asigaye, no gutanga ingwate zemewe n'amategeko. Gufata izi ntambwe muburyo bukwiye bwamategeko birinda urugo rwawe kwishyura inshuro ebyiri, gufungura amafaranga ya reta yo kugaruza abashoramari, kandi bigakora inyandiko yerekana ibimenyetso byerekana ubushinjacyaha, amategeko, nubushinjacyaha.

Kora ubu¶

1. ** Hagarika amafaranga yose yishyuwe, uburenganzira bwikarita yinguzanyo, hamwe ninguzanyo yubwishingizi ihita ikuramo. Niba warishyuye kubitsa ukoresheje ikarita yinguzanyo cyangwa kwimura ACH muminsi 60 kugeza 120 ishize kumurimo utigeze ukora, tanga impaka zo kwishyuza nkuko amategeko abiteganya neza (Reta zunzubumwe zamerika) cyangwa itegeko rigenga inguzanyo kubaguzi Ingingo ya 75 (Ubwongereza).
2. ** Ntugakoreho, guhindura, cyangwa guha akazi undi rwiyemezamirimo kugirango uhishe imirimo itarangiye kugeza urangije ifoto yubucamanza hamwe nubugenzuzi bwubugenzuzi. Fotora buri sitidiyo yashyizwe ahagaragara, insinga zitemewe, kubura pallet, hamwe no gufungura igisenge hejuru yikimenyetso, hanyuma uhamagare ishami ryubwubatsi rya komine kugirango usabe umugenzuzi wa kode wanditse kwandika ijanisha ryarangiye kuribikorwa byemewe.
3. ** Saba urutonde rwuzuye rwaba rwiyemezamirimo bose, abatanga ibikoresho, hamwe nisosiyete ikodesha ibikoresho kumushinga. Hamagara abo baguzi kugirango ubaze niba koko rwiyemezamirimo rusange yishyuye ibikoresho byagejejwe kuri aderesi yawe.
4. ** Tanga Amatangazo yanditse kugirango akize Default ukoresheje iposita yemejwe hamwe na fagitire yo kugaruka yasabwe. ** Nubwo mugihe rwiyemezamirimo ahagaritse kwitaba telefone ibyumweru, kubirukana mu buryo butunguranye kubutumwa bugufi cyangwa kubifunga utabanje gutanga idirishya ryanditse ryamasaha 48 kugeza kuminsi 10 (nkuko bisobanurwa namasezerano yawe cyangwa statut ya leta) birashobora kureka amasezerano yuburiganya avuga ko warangije kubuza amasezerano.
5. ** Kugenzura nimero yimpushya za rwiyemezamirimo, uwatwaye ingwate, hamwe nicyemezo rusange cyubwishingizi bwuburyozwe binyuze mubuyobozi bwawe bwimpushya za leta.
6. ** Kurinda imiterere yikirere n’ibyangiritse kugirango ubungabunge ubwishingizi bwa nyiri urugo. ** Politiki yubwishingizi bwa nyirurugo ikubiyemo itegeko ** Inshingano yo kugabanya ibyangiritse ** ingingo. Mugihe udakwiye kuvugurura cyangwa guhindura imirimo ya rwiyemezamirimo mbere yo kuyandika, ugomba gusakara ibisenge bifunguye, hejuru yidirishya ryabuze, gufunga imirongo y’amazi yagaragaye, no gukomeza ubushyuhe bwigihe gito kugirango imvura cyangwa ubukonje bukonje ntibisenya inzu yose. Kubintu byihutirwa birinda ikirere, reba Igisenge cyihutirwa kumeneka no kugenzura ibyangiritse na Idirishya ryacitse ryinjira hamwe no gusukura ibirahure.

flowchart TD
    A["Rwiyemezamirimo areka kwerekana, asaba amafaranga mbere yigihe giteganijwe, cyangwa asiga subs atishyuwe"] --> B["Hagarika ubwishyu bwose hanyuma uhamagare inguzanyo yatakaje ishami kugirango uhagarike gusohora"]
    B --> C["Fotora urubuga rwose hanyuma usabe umugenzuzi winyubako ya komini kugenzura imiterere"]
    C --> D{"Ese abashoramari cyangwa abatanga isoko batanze Itangazo ryambere cyangwa Mechanics Lien?"}
    D -->|"Yego: Lien iterabwoba rirakora"| E["Kugenzura igihe ntarengwa cyateganijwe kandi gisaba Kurekura / Kutagira icyo usabwa"]
    D -->|"Oya: Kureka cyangwa akazi gafite inenge"| F["Kora Amatangazo yanditse kugirango akize Default (iminsi 5 kugeza 10) ukoresheje Ibaruwa Yemewe"]
    E --> G{"Ese rwiyemezamirimo rusange yamaze guhembwa nawe kubwakazi ka sub?"}
    G -->|"Yego"| H["Emeza ubwishyu bwuzuye / Urugo Lien Defence hamwe na raporo yo Kwizera Ikigega cyo Kwubaka"]
    G -->|"Oya"| I["Ganira amasezerano yo kugenzura hamwe cyangwa kwishyura bitaziguye kugirango urekure Lien Ntarengwa"]
    F --> J{"Rwiyemezamirimo yagarutse agakira mugihe ntarengwa?"}
    J -->|"Oya"| K["Gukora Amatangazo yo Kurangiza kubwimpamvu, gutanga ingwate yinguzanyo, no guha akazi umushinga wo kurangiza"]
    J -->|"Yego"| L["Saba Gahunda yo Kwisubiraho yanditse kandi wishyure gusa ubugenzuzi bwatsinzwe + Lien Waivers"]

Kumva uburyo ubukanishi butanga akazi nimpamvu ushobora guhatirwa kwishyura kabiri¶

Kuri banyiri amazu basanzwe, sisitemu yubukanishi yunvikana inyuma. Niba wasinye amasezerano 60.000 $ hamwe nu rwiyemezamirimo rusange wo kubaka igikoni cyawe nyuma yumuyoboro uturika, ukishyura uwo rwiyemezamirimo rusange $ 60.000 mugihe cyagenwe, ubushishozi bwerekana ko inshingano zawe zemewe n'amategeko. Mu mategeko y’ubwubatsi buteganijwe n'amategeko y’Amerika na Kanada, ariko, ** kwishyura umushoramari rusange ntabwo bihita bikingira inzu yawe ingwate yatanzwe naba rwiyemezamirimo badahembwa, abakozi, cyangwa abatanga ibikoresho **.

Abakanishi bemewe ninyungu z'umutekano batabishaka¶

Ubukanishi bwubukanishi (Reta zunzubumwe zamerika) cyangwa ubwubatsi / abubatsi lien (Kanada) ninyungu zumutekano zemewe n'amategeko zashyizweho n amategeko ya leta cyangwa intara ahuza neza nicyemezo cyumutungo utimukanwa wubutaka bunoze. Bitandukanye n’ikirego gisanzwe cyo kutubahiriza amasezerano aho uwagurijwe agomba kurega, gutsindira urubanza nyuma yumwaka waburanishijwe, hanyuma noneho akandika ingwate yurubanza, ingwate yubwubatsi yemerera umuntu wese watanze umusanzu wumurimo, serivisi, ibikoresho, cyangwa ibikoresho mugutezimbere umutungo utimukanwa kugirango uhishe izina ryumutungo wawe * mbere yuko * urubanza urwo arirwo rwose.

Mugihe ingwate ikora kubutaka bwintara yawe: * Ntushobora kugurisha cyangwa kwimura titre isukuye murugo. * Ntushobora gutunganya inguzanyo yawe cyangwa gufunga kumurongo w'inguzanyo (HELOC) kugirango wishure. * Niba uwasabye ingwate yatanze ikirego kuri ** guhanagura ubukanishi bwa lien ** mu idirishya ryubahirizwa n'amategeko (ubusanzwe iminsi 90 kugeza ku mwaka nyuma yo kwandika ingwate), urukiko rushobora gutegeka umugenzacyaha kugurisha inzu yawe kugirango yishyure ikibuga cy’ibiti cyangwa umushoramari w’igisenge, kabone niyo inguzanyo yawe yaba 100%.

Kugereranya kwisi yose yubaka amazu yo guturamo hamwe nuburyo bwo kugarura¶

Intambwe ku yindi protocole yo guhagarika rwiyemezamirimo wataye umutekano¶

Iyo rwiyemezamirimo ahagaritse kwerekana ibyumweru, agasiga igisenge cyawe ku mvura, cyangwa agashyiraho imirimo ifite inenge itananirwa kugenzura kode ya komini, inkomoko yawe ni iyo kubandikira "Wirukanwe, ntuzagaruke" hanyuma uhite ushakira undi muntu ako kanya. ** Kubikora udakurikije gahunda yo guhagarika amasezerano ni umutego wa kera.

Kurikiza ubu buryo bune bwo kurangiza kugirango uzimye uburenganzira bwa rwiyemezamirimo:

Intambwe ya 1: Kora forensic akazi-urubuga no kugenzura ibaruramari¶

Mbere yo kohereza integuza yemewe n'amategeko, kora ** Igenzura rya Dossier yawe **: 1. ** Amasezerano na Konti Yishyuwe: ** Ongeraho igiciro cyambere cyamasezerano, ibyasinywe byose byahinduwe byanditse (wirengagize amabwiriza yo guhindura amagambo niba itegeko rya leta ryogutezimbere urugo risaba amabwiriza yo guhindura inyandiko yanditse byashyizweho umukono nimpande zombi), kandi buri dorari wowe cyangwa isosiyete yawe yubwishingizi wishyuye kugeza ubu. 2. ** Agaciro kuzuza kumubiri: ** Genda icyumba cyinzu mucyumba hamwe na kontaro yawe yumurimo cyangwa ubwishingizi Xactimate umurongo-wibintu. Fotora buri kintu cyose kituzuye (urugero, "Drywall yishyuye 100 ku ijana kuri Draw 2, ariko impapuro 0 zimanikwa mucyumba cyo kuryamamo; akabati yishyuye amadorari 14,000 ku ya 3 Ukwakira, uwatanze isoko yemeje ko itegeko ritigeze rishyirwaho"). 3. ** Igenzura ry'uruhushya rwa komini: ** Hamagara ishami ryumujyi cyangwa ishami ryubaka intara. Baza umwanditsi: * Rwiyemezamirimo yaba yarakuye inyubako, amashanyarazi, amazi, hamwe nubukanishi banyishyuye? * Ni ubuhe bugenzuzi bukabije cyangwa bwateguwe bwasabwe, bwatsinzwe, cyangwa bwatsinzwe? * Saba umugenzuzi w’inyubako ya komini gusura ikibanza hanyuma wandike itangazo ryogukosora cyangwa igitabo cyerekana ubugenzuzi cyerekana uko umubiri umeze ndetse n’amategeko arenga ku mategeko.

Intambwe ya 2: Tanga Itangazo risanzwe kugirango ukize Default (iminsi 7-iminsi-10)¶

Soma "Guhagarika" cyangwa "Default" ingingo yamasezerano yawe yo kubaka. Amasezerano asanzwe yo guturamo (hamwe ninyigisho zamasezerano asanzwe) arasaba guha rwiyemezamirimo utubahirije idirishya ryihariye, mubisanzwe ** 5, 7, cyangwa iminsi 10 yingengabihe **, kugirango asubire kumwanya wakazi hamwe nabakozi bahagije, gutanga ibyangiritse byabuze, cyangwa gukosora kode mbere yuko irangira rirangira.

Ohereza ** Itangazo ryo Gukiza Default ** icyarimwe ukoresheje: * ** Ibaruwa Yemewe ya USPS hamwe n'inyemezabwishyu isabwa ** (cyangwa Ibaruwa ya cyami yashyizweho umukono kuri / Ibaruwa yanditswe kuri Kanada) kuri aderesi yemewe na rwiyemezamirimo yanditswe mu kigo cy’impushya za Leta * na * aderesi ku masezerano yawe. * ** Ibaruwa yo mucyiciro cya mbere isanzwe ** (mugihe banze gusinyira ikarita yicyatsi kibisi). * ** Imeri n'ubutumwa bugufi bwanditse ** (shyiramo scan ya PDF y'urwandiko rwasinywe kugirango badashobora guhakana itangazo ryihuse).

Inyandikorugero: Amatangazo asanzwe ya Default no gusaba gukira¶

VIA CERTIFIED MAIL (RETURN RECEIPT REQUESTED) AND EMAIL

Date: [Insert Date]
To: [Contractor Legal Business Name and Individual Qualifier Name]
Contractor License No.: [Insert License Number]
Address: [Insert Address on Contract and State Licensing Board Address]
CC: [Surety Bond Company Name, Policy/Bond Number, Claims Department Address]

RE: FORMAL NOTICE OF DEFAULT AND 7-DAY DEMAND TO CURE
Project Address: [Insert Your Home Address]
Contract Date: [Insert Date of Contract]

Dear [Contractor Name]:

PLEASE TAKE NOTICE that you are in material breach and default of the residential construction agreement dated [Contract Date] for the property located at [Project Address]. Specifically, your breaches include:

1. Job Abandonment: Neither you nor any qualified crew has performed meaningful work at the property since [Date Last Worked], a period of [Number] consecutive days, leaving the residence uninhabitable and exposed.
2. Unearned Draw Front-Loading: To date, you have collected $[Total Amount Paid] (representing [Percentage]% of the total contract price), while less than [Estimated Completion Percentage]% of the contracted scope of work has been physically completed and approved by municipal inspectors.
3. Failure to Provide Statutory Lien Waivers and Proof of Material Orders: Despite collecting $[Amount] designated for [e.g., roofing materials / kitchen cabinetry / HVAC equipment], you have failed to deliver the materials to the job site or provide unconditional lien releases and paid supplier invoices from [Supplier/Subcontractor Names].
4. Building Code and Permit Violations: [List any unpulled permits or failed municipal inspections].

DEMAND TO CURE:
Pursuant to the terms of our agreement and applicable state law, you are hereby given exactly SEVEN (7) CALENDAR DAYS from the date of this notice (until 5:00 PM on [Exact Deadline Date]) to cure these defaults in full by:
(a) Delivering to me in writing a binding, day-by-day recovery schedule along with paid receipts, order confirmation numbers, and signed Unconditional Lien Waivers from all subcontractors and material suppliers paid to date;
(b) Returning to the job site with a full, licensed crew and delivering all contracted materials already paid for; and
(c) Scheduling and passing all overdue municipal building inspections.

WARNING OF TERMINATION AND BOND CLAIM:
If you fail to cure these defaults in full by 5:00 PM on [Exact Deadline Date], the contract shall be immediately and permanently TERMINATED FOR CAUSE without further notice. Upon termination, I will:
1. Bar you and your personnel from the property;
2. Hire a licensed completion contractor to correct defective work and finish the project, holding you and your surety bond liable for all completion costs exceeding the unpaid contract balance;
3. File a formal claim against your Contractor License Surety Bond ([Bond Company Name], Bond #[Number]) and the State Residential Contractor Recovery Fund; and
4. File formal administrative and criminal complaints with the State Contractors Licensing Board and the District Attorney / State Attorney General for construction abandonment and diversion of statutory construction trust funds.

All rights and remedies are expressly reserved.

Sincerely,

[Your Signature]
[Your Printed Name]
[Your Phone Number and Email]

Intambwe ya 3: Shaka amasoko 2 kugeza kuri 3 "Kurangiza no Gukosora" mugihe cy'idirishya ryo gukiza¶

Mugihe isaha yo gukiza iminsi 7 cyangwa iminsi 10, uzane abashoramari babiri cyangwa batatu bazwi, bafite uruhushya rwo gusimbuza inzu. Saba buri rwiyemezamirimo wasimbuye gutandukanya igereranyo cyanditse mubice bibiri bitandukanye: 1. ** Ikiguzi cyo gukosora imirimo ifite inenge: ** Akazi nibikoresho bisabwa kugirango ucike kandi wongere ugabanye kode cyangwa kode yakazi yashizweho na rwiyemezamirimo wa mbere (urugero, gusenya amazi atemewe cyangwa ibyombo byogejwe bidakwiye). 2. ** Igiciro cyo Kurangiza Amasezerano atarangiye: ** Igiciro nyacyo cyo kurangiza ibintu byihariye byanditswe mumasezerano yumushinga wambere (ukuyemo ibiciro bishya bishya wahisemo kongeramo).

Iri tandukaniro rirakomeye mu buryo bwemewe n'amategeko. Mu mategeko y’amasezerano yubwubatsi, kugarurwa kwawe ** Igiciro-cyo-Kurangiza ibyangiritse ** kurwanya rwiyemezamirimo wataye (hamwe ningwate yingwate) bibarwa nuburyo bukomeye bwimibare:

Kurugero, niba amasezerano yawe yambere yari 100.000 $, wishyuye rwiyemezamirimo wambere $ 65.000 mbere yuko azimira, kandi biragusaba 75.000 $ kugirango ushake rwiyemezamirimo wa kabiri kugirango ukosore amakosa yabo kandi urangize igishushanyo mbonera kimwe, igiciro cyawe cyose kitari mu mufuka ni $ 140,000. Ufite uburenganzira bwo kugaruza ** $ 40,000 yarenze ** ($ 140.000 ukuyemo 100.000 $ wasezeranye kwishyura mbere) na rwiyemezamirimo wa mbere, wongeyeho amafaranga yose yo kubaho (nk'amezi y'inyongera y'ubukode cyangwa amafaranga yo kubika yatewe no gutinda).

Intambwe ya 4: Tanga Amatangazo yanyuma yo guhagarika Impamvu no guhindura urubuga¶

Igihe ntarengwa cyo gukira kirangiye utarubahirijwe byuzuye, ohereza urupapuro rumwe ** Itangazo ryo guhagarika Impamvu ** ukoresheje imeri yemewe na imeri ivuga ko igihe cyo gukira cyarangiye, amasezerano arangira ako kanya, kandi rwiyemezamirimo arenga ku mategeko niba binjiye mumitungo yawe nta gahunda yagenwe yo kugarura ibikoresho byawe bwite. Ako kanya ongera ufungure udusanduku twose two hanze, uhindure kodegisi yubwenge, hanyuma umenyeshe ishami ryubwubatsi bwa komine mu nyandiko kugirango ** ukureho rwiyemezamirimo warangiye uruhushya rwawe rwo kubaka ** kugirango rwiyemezamirimo usimbure ashobora kwimura cyangwa gukuramo uruhushya rwo gufata.

Nigute ushobora guhangana, guhambira, cyangwa kuzimya ubukanishi butemewe¶

Niba umushoramari udahembwa, utanga ibikoresho, cyangwa umushoramari rusange wirukanwe yihoreye yandika umukanishi wabereye murugo rwawe, ** ntugahagarike umutima kandi ntugahite wishyura amafaranga asabwa **. Ubushakashatsi bufatika bw’ubukanishi bw’imiturire bwerekana ko ijanisha ryinshi ryabashoramari naba sous-traitant ririmo inenge zica zemewe n'amategeko zituma 100% bidafite agaciro kandi bidashoboka nkuko amategeko abiteganya.

Inenge 7 zica zemewe n'amategeko zitesha agaciro ubukanishi¶

Kugenzura inyandiko yanditseho ingwate (ushobora kuyikura mu biro by’intara cyangwa ibiro bishinzwe iyandikisha ry’ubutaka) kurwanya iyi mitego irindwi itemewe n'amategeko:

1. ** Yabuze igihe ntarengwa cyo kumenyesha: ** Muri leta nka Californiya, Arizona, Nevada, Florida, Michigan, na Ohio, umushoramari cyangwa utanga ibikoresho udafite amasezerano ataziguye na nyirurugo ** abujijwe rwose ** gutanga ingwate yubukanishi bwemewe keretse batanze inyandiko yemewe ** Itangazo ryambere ** (cyangwa Itangazo kuri nyirubwite) muminsi 20 ya idirishya (cyangwa Itangazo rya nyirarureshwa) mu minsi ya mbere ya CA / muri FL). Niba imbuga yimbaho ​​itigeze ikoherereza Itangazo ryibanze ukoresheje amabaruwa yemejwe igihe bahanuye inkwi, ubukanishi bwabo bwa nyuma bwapfuye bahageze.
2. ** Igihe ntarengwa cyo gufata amajwi ya Lien: ** Ingwate yubukanishi ifite amasaha make yo gutanga dosiye, mubisanzwe ** iminsi 60 kugeza 90 ** nyuma yumunsi wanyuma wuwasabye akazi cyangwa gutanga ibikoresho (cyangwa iminsi 30 kugeza kuri 60 nyuma yimenyekanisha ryuzuye ryuzuye). Gusura inzu gufata ibikoresho, gufata amafoto, cyangwa gukora garanti ntoya-garanti garanti ikoraho * ntabwo * yongerera cyangwa ngo yongere igihe ntarengwa cyemewe n'amategeko.
3. ** Akabari k'abashoramari batabifitiye uruhushya: ** Mu nkiko zikomeye zemewe (nka California Business & Professional Code Sec. 7031, Nevada, Arizona, New Mexico, na Florida), umushoramari udafite uruhushya rukora akazi gasaba uruhushya ntashobora gutanga ingwate yemewe kandi ntashobora kurega mu rukiko ngo akusanye idorari rimwe. Mu bihugu byinshi, niba uruhushya rwabo rwatakaye cyangwa rwahagaritswe n’icyumweru kimwe mu gihe cy’umushinga kubera kutubahiriza ubwishingizi bw’indishyi ku bakozi, uburenganzira bwabo bwo gutanga ingwate bwatakaye burundu, kandi nyir'urugo arashobora kurega kuri ** disgorgement ** (gusubizwa 100 ku ijana by'amadolari yamaze kwishyurwa na rwiyemezamirimo, ndetse no ku mirimo yarangiye).
4. ** Gukabya uburiganya bw'amafaranga Lien (Kurenza urugero nkana): ** Ukurikije amategeko nka California Civil Code Sec. 8422, Imiterere ya Floride. Sec. 713.31 (** Lien uburiganya **), New York Lien Amategeko Sec. 39, hamwe na Kode y'umutungo wa Texas Sec. 12.002, rwiyemezamirimo ashobora gusa gutanga ingwate ku giciro nyacyo kitishyuwe cyimirimo nibikoresho ** byinjijwe mumitungo **. Ntibashobora gushiramo inyungu zigihe kizaza, ibyemezo bitemewe, ibikoresho, cyangwa akazi bitigeze bikorwa. Muri Floride na New York, gukabiriza nkana amafaranga yatanzweho ingwate n'amadorari ibihumbi bike ni ubwunganizi bwuzuye butesha agaciro ingwate zose kandi bigatuma rwiyemezamirimo aryozwa igihembo cya avoka wawe, indishyi z’ibihano, na (muri Floride) icyaha cyo mu rwego rwa gatatu.
5. ** Gusonerwa mu rugo Kutubahiriza amategeko (Cyane cyane Texas): ** Muri Texas, rwiyemezamirimo ** ntashobora ** gushyira umukanishi wemewe ufite ingwate y’urugo rutuwe na nyir'ubwite keretse: (a) abashakanye bombi basinye amasezerano yanditse * mbere yuko * umurimo uwo ari wo wose cyangwa itangwa ry'ibikoresho bitangira, kandi (b) amasezerano yatanzwe ku mwanditsi w'intara. Niba rwiyemezamirimo atangiye kwerekana demo mbere yuko abashakanye bombi basinya amasezerano, nta ngwate yemewe yo murugo ishobora kwomekaho.
6. ** Inkomoko ya Defivative / Yishyuwe-Yishyuwe: ** Muri "leta itishyuwe" (nka New York, New Jersey, Illinois, Jeworujiya, na Carolina y'Amajyaruguru), cyangwa muri Floride's Proper Payment defence, niba ushobora kwerekana hamwe na banki ko wishyuye rwiyemezamirimo rusange * mbere yuko * ubona integuza y'ibisabwa na rwiyemezamirimo, ingwate y'abashoramari ntishobora kwizirika ku nzu yawe.
7. ** Ishyirwa mu bikorwa ryarangiye / Isaha yo Kurega ("Zombie Lien"): ** Kwandika ubukanishi bwatanzwe ku biro by'abanditsi b'intara ni igihe gito. Uregwa ** agomba gutanga ikirego cy’imbonezamubano kugira ngo yambure ingwate ** mu idirishya ryemewe n'amategeko, gusa iminsi 90 ya kalendari ** muri Californiya na Nevada, ** amezi 6 ** i Washington, cyangwa ** umwaka 1 ** muri Floride, New York, na Texas. Niba umunsi wa 90 (cyangwa umunsi wa 365) urangiye kandi rwiyemezamirimo atigeze atanga ikirego cyo kwamburwa urukiko rwisumbuye / Umuzunguruko, ingwate ihita irangira hakoreshejwe amategeko kandi ihinduka "liombie lien."

Intambwe-ku-ntambwe yo gukemura amayeri yo gukuraho ubukanishi bwaturutse kumutwe wawe¶

Navigating mortgage company "Loss Draft" insurance escrow accounts¶

When your home suffers major fire, flood, wind, or tree damage (for structural emergency safety, see Tree fallen on house structural triage), your homeowner's insurance company rarely writes a $75,000 check payable solely to you. If you have a mortgage, the insurance settlement check is made jointly payable to you and your mortgage loan servicer (or to you, your mortgage lender, and your contractor).

Under standard mortgage covenants, for any insurance claim exceeding $10,000 to $40,000, your mortgage servicer requires you to endorse the insurance check over to their Loss Draft Department (also called Property Preservation or Insurance Escrow). The bank deposits your insurance money into a restricted escrow account and releases it in staged installments (typically ⅓ upfront, ⅓ at 50% completion after a bank field inspection, and ⅓ at 100% completion after you submit a Certificate of Occupancy and unconditional lien waivers).

How to handle a mortgage Loss Draft crisis when a contractor abandons the job¶

1. Never forge or skip endorsements, and never hand an endorsed insurance check to a contractor before the contract is signed. Once you sign the back of a joint insurance check and hand it to a contractor, they can deposit the entire balance into their business account and disappear.
2. Revoke any Direction to Pay (Authorization to Pay Direct) immediately. Restoration contractors almost always slip a Direction to Pay form into their initial tablet paperwork, which authorizes your insurance adjuster and mortgage servicer to mail checks directly to the contractor's office or put the contractor's name on the Payee line of every check. Send a written Revocation of Direction to Pay to both your insurance desk adjuster and your mortgage servicer's Loss Draft Department immediately upon discovering contractor default.
3. Removing a fired contractor's name from an uncashed multi-party insurance check: If you are holding an uncashed insurance or mortgage draw check that lists "Homeowner AND Mortgage Co. AND Abandoned Contractor LLC", do not send it to the contractor to sign. Contact your insurance adjuster or mortgage Loss Draft supervisor, provide a copy of your Notice of Termination for Cause and your new contract with the replacement contractor, and ask them to stop payment and reissue the check payable only to you and the mortgage company (or you and the new replacement contractor).
4. Unlocking stalled Loss Draft draws when the bank's inspector says completion is too low: If Contractor #1 stole the first 33 percent draw (say, $30,000) and only completed 10 percent of the work, the mortgage company's Loss Draft system will refuse to release the second $30,000 draw until the house reaches 50 percent completion. Because Contractor #2 will not work for free to bridge that 40 percent gap, you must request a Loss Draft Escalation Exception / Contractor Dispute Hardship Review from your mortgage servicer. Submit:
5. Your police report and State Licensing Board complaint against Contractor #1;
6. Your Surety Bond / Recovery Fund claim receipt; and
7. A written request for the bank to release a partial "bridge draw" directly via Joint Check to your replacement contractor based on passed municipal rough-in inspections.

Criminal and regulatory weapons: Construction Trust Fund statutes, Surety Bonds, and State Recovery Funds¶

When an insolvent contractor takes your $25,000 deposit or insurance draw and walks away, local police officers at the front desk will frequently tell you, "Sorry, that's a civil contract dispute, talk to a lawyer." In the majority of US states and Canadian provinces, that statement is legally wrong. You must cite the specific Construction Trust Fund Statute or Criminal Home Improvement Fraud Statute of your jurisdiction so law enforcement and prosecutors recognize the crime.

1. Statutory Construction Trust Fund Diversion (Criminal Felony / Non-Dischargeable in Bankruptcy)¶

More than 20 US states (including Texas Prop. Code Ch. 162, New York Lien Law Art. 3-A, Michigan Builders' Trust Fund Act MCL 570.151, Colorado C.R.S. Sec. 38-22-127, Maryland Real Prop. Sec. 9-201, Wisconsin Stat. Sec. 779.02(5), Minnesota, Arizona, and Oklahoma) and every Canadian province have enacted Statutory Construction Trust Fund Laws.

Under these statutes, the exact moment a homeowner pays a deposit or progress draw to a contractor for a home improvement project, those dollars do not become the contractor's general business revenue. By operation of law, the contractor holds your money as a fiduciary trustee exclusively for the benefit of the homeowner, subcontractors, and material suppliers on your specific property.

If the contractor uses your kitchen remodel deposit to pay off debts on an older job, pay their personal truck note, or fund their lifestyle while leaving your materials unpaid, they have committed Criminal Misapplication of Construction Trust Funds (Statutory Theft / Embezzlement): * ** Ubushinjacyaha: ** Ukurikije amategeko nka Texas Code Code Sec. 162.032 cyangwa Michigan MCL 570.152, kunyereza amafaranga y’inyubako y’ubwubatsi arenga $ 500 kugeza ku $ 2,500 ni icyaha cy’icyaha gihanishwa gereza ya Leta n’urukiko rutegetswe gusubizwa ibyaha. * ** Gutobora kugiti cya LLC Shield: ** Nubwo amasezerano yawe yasinywe "Apex Restoration LLC", sitati yikigega cyubwubatsi ishyiraho ** umuntu ku giti cye, umuntu ku giti cye ** kuri nyirubwite, umuyobozi, cyangwa umuyobozi wagenzuraga konti ya banki akayobora amafaranga. * ** Kurinda guhomba munsi ya 11 USC. Sec. 523 (a).

2. Gutanga ikirego kirega ingwate ya rwiyemezamirimo¶

Muri leta zisaba abiyemezamirimo babifitemo uruhushya gutwara ** ** uruhushya rwabashoramari ** (urugero, $ 25.000 muri Californiya, $ 15,000 kugeza 30.000 $ i Washington, $ 10,000 kugeza 20.000 muri Oregon, n’amafaranga atandukanye muri Arizona na Nevada), ntugomba gutegereza ko urukiko rwatanga ikirego. 1. Reba umwirondoro wa rwiyemezamirimo kurubuga rwa leta rwimpushya za leta hanyuma wandike izina rya ** Bonding / Ingwate yisosiyete **, ** Inomero yinguzanyo **, na ** Amatariki Yubahirizwa **. 2. Hamagara cyangwa usure urubuga rwingwate hanyuma utange ** Nyirurugo Ikirego cyerekeye uruhushya rwabashoramari **. 3. Tanga amasezerano wasinywe, icyemezo cyubwishyu (cheque yahagaritswe / inyemezabwishyu za wire), Amatangazo yawe yo gukiza no kumenyesha ko arangije, amafoto yumurimo wataye, hamwe namasoko abiri yanditse yatanzwe nabashoramari babifitemo uruhushya yerekana amafaranga arenze kugirango arangize umushinga. 4. Ushinzwe kugenzura ingwate asabwa byemewe n'amategeko gukora iperereza mugihe cyiminsi 30 kugeza 60. Niba rwiyemezamirimo adashobora kwerekana ko barangije akazi, ingwate akenshi izishyura kugeza igihe ntarengwa cyagenwe hanyuma uhagarike uruhushya rwiyemezamirimo kugeza igihe rwiyemezamirimo yishyuye ingwate.

3. Gusaba amafaranga yo kugarura abashoramari ba leta¶

Intara zirenga 25 zo muri Amerika (harimo ** Arizona, Virginia, Maryland, Massachusetts, Minnesota, Nevada, Floride, Hawaii, Alabama, Connecticut, na Dakota y'Amajyaruguru **) hamwe na leta ya Ositaraliya (binyuze mu bwishingizi bw'indishyi ziteganijwe mu nzu) bikomeza kugengwa na leta ** Gutanga amasezerano yo gutura / Gutanga amafaranga y'ingwate ** yatewe inkunga n'amafaranga yo gutanga uruhushya. * Aya mafranga asanzwe yishyura ** $ 20.000 kugeza 50.000 $ kuri nyiri urugo ** (agera kuri $ 340.000 mubwishingizi bwemewe n'amategeko bwa Australiya) mugihe rwiyemezamirimo wabiherewe uruhushya aretse umushinga wo guturamo cyangwa agasiga imanza zabaturage zidakurikiranwa. * ** Umuburo w'ingenzi ku gihe ntarengwa no gutanga impushya: ** Amafaranga hafi ya yose yo kugaruza leta akubiyemo gusa amasezerano yasinywe na rwiyemezamirimo ufite uruhushya rwa leta rukora cyangwa kwiyandikisha ku munsi amasezerano yasinywe **, kandi bagashyiraho igihe ntarengwa cyo gutanga (ubusanzwe ** 1 kugeza ku myaka 2 ** uhereye igihe batubahirije cyangwa baciriwe urubanza). Tanga ikirego cyawe mubuyobozi bwa leta icyarimwe hamwe nibikorwa byawe bya gisivili cyangwa bito (reba Urubanza ruto rusaba urukiko, rusaba amabaruwa, kandi rucibwa mbere).

Kugenzura urutonde mugihe ukoresha umusimbura wawe urangije¶

Iyo ukoresheje umushoramari uzasimbura gutabara urugo rwawe rurangije igice, shiraho amasezerano yo gufata kugirango udashobora na rimwe kugwa mu mutego kabiri:

• ** Kurikiza amategeko ateganijwe kwishyura-**: Ntuzigere wishyura 50 ku ijana imbere. Intara nyinshi zitanga amafaranga menshi kubitsa mu buryo butemewe: ** Californiya ** yanze rwose kwishyura kuri ** 10% yikiguzi cyamasezerano cyangwa $ 1.000, ayo ari make ** (CA Bus. & Prof. Code Sec. 7159.5); ** Maryland ** na ** Massachusetts ** kubitsa cap kuri ** 33% **; ** Pennsylvania ** caps yabikijwe kuri ** 33% ** hiyongereyeho ibikoresho byihariye-byateganijwe; ** New South Wales ** na ** Victoria ** (Ositaraliya) kubitsa cap kuri ** 5% kugeza 10% **.
• ** Kwishura mu buryo butaziguye ibikoresho by'ingenzi ukoresheje ikarita yawe y'inguzanyo: ** Aho guha rwiyemezamirimo $ 18,000 amafaranga yo gutumiza amadirishya, amagorofa, cyangwa akabati, saba rwiyemezamirimo gushyiraho itegeko ry’ubucuruzi mu nzu itanga isoko kandi ** hamagara uwaguhaye isoko wenyine kwishyura inyemezabuguzi ukoresheje ikarita yawe y'inguzanyo **, ugaragaza ko utanze kuri aderesi yawe y'urugo. Muri ubwo buryo, utunze ibikoresho byuzuye, utanga isoko ntashobora na rimwe gutanga ubukanishi bwinzu yawe, kandi urinda ikarita yinguzanyo mugihe ibintu bitigeze bitangwa.
• ** Ihuze Iterambere Ryose Kugenzura Kugenzura Amakomine Yatsinzwe, Ntabwo Amatariki ya Kalendari: ** Ntuzigere wemera gahunda yo kwishyura ukurikije amatariki (urugero, "$ 15,000 ugomba gutangwa buri wa gatanu") cyangwa interuro zidasobanutse nka "50 ku ijana mugihe cyo gutangira." Andika ingengabihe yo gushushanya kugirango buri sheki igomba gutangwa * gusa * nyuma yigihe cyihariye, kigenzurwa nintambwe yumugenzuzi wumujyi (urugero, *

Ibibazo bikunze kubazwa¶

Kuyobora¶

• Urubanza ruto rusaba urukiko, rusaba amabaruwa, kandi rucibwa mbere
• Yakorewe hamwe nimbonezamubano: gutabara byihutirwa
• HOA ihazabu, condo isuzuma ryihariye, hamwe no kwirwanaho
• Igisenge cyihutirwa kumeneka no kugenzura ibyangiritse
• Tree fallen on house structural triage
• Imibare yihutirwa ku isi

Inkomoko yagenzuwe¶

• Komisiyo ishinzwe ubucuruzi (FTC) (Amerika): Impanuro z’umuguzi ku bijyanye no guha akazi rwiyemezamirimo, uburiganya bwo guteza imbere amazu nyuma y’ibiza, hamwe n’uburenganzira bwo kwishyura inguzanyo (15 USC. 1666).
• Ikigo cya Leta cya Californiya gishinzwe uruhushya (CSLB) & Code Civil (Reta zunzubumwe zamerika): Amategeko yubukanishi (amategeko mbonezamubano Sec. 8000-8848), Amafaranga yishyuwe mbere (Bus. & Prof. Code Sec.
• Amategeko agenga umutungo wa Texas & Ibiro by’Ubushinjacyaha Bukuru (Amerika): Igice cya 53 (Abakanishi, Abashoramari, cyangwa Ingwate ya Materialman; Amategeko yo mu rugo Amategeko yo mu rugo Sec.
• Sitati ya Florida Igice cya 713 & Ishami ry’ubucuruzi n’amabwiriza y’umwuga (DBPR) (Amerika): Amategeko y’ubwubatsi, Amatangazo ku gihe ntarengwa cya nyirayo, uburiganya bwa Lien uburiganya (Sec. 713.31), n’ikigega cyo kugarura amazu ya ba nyir'amazu ya Floride.
• Amategeko yo kubaka Ontario (R.S.O. 1990, c.
• Itegeko ryerekeye uburenganzira bw’umuguzi mu Bwongereza 2015 & Itegeko ry’inguzanyo ku baguzi 1974 Igice cya 75 (Ubwongereza): Inshingano hamwe n’inguzanyo nyinshi zo kutubahiriza amasezerano ku iterambere ry’imiturire.
• NSW Fair Trading & Victorian Building Authority (Ositaraliya): Itegeko ryo kubaka amazu 1989 (NSW), Imipaka yo kubitsa mu buryo bwemewe n’amategeko, hamwe n’ikigega cy’indishyi zubaka amazu (HBCF) Ubwishingizi / Ubwishingizi bwo kubura.