I finished a project for water mitigation services, the insurance only paid a small portion of the job unfairly and are refusing to pay anymore. The homeowner is not helping with the claim. Are we able to file a lien?
NJ requires a written contract between the parties to file a mechanic's lien. If you have a contract with the homeowner, you should be able to lien the home independent of what their insurance carrier says if your lien claim is filed in a timely manner.
Since this is a NJ residential property, you will first have to file the Notice of Unpaid Balance (the "NUB") and seek the arbitration award prior to filing the lien.