We had a contract for a new home build in South Carolina with a home builder. We did NOT own the property at the time of construction. Our daughter and son in law owned the property. The building permit and c/o was issued under her name. We didn’t close prior to construction as we waited for a mortgage release on what they were selling to us. The contractor completed the work in October 2019 and we closed on the property in December 2019. The home builder was paid in full and we moved in in December 2019. We received papers via certified mail January 2020.