We had our roof replaced in 2015 with a roofing company, who we signed a contract with. Our insurance reviewed the proposal submitted by this roofing company, since our roof was damaged by storm. The insurance approved and paid for the service. However, the company went out of business months later. I just learned from my lender, since we're trying to refinance that a mechanic lien was filed against us, from the sub-contractor that the roofing company hired..how can we be responsible for paying who the roofing company sub-contracted, since they didn't pay them directly and have since went out of business? How can we get this removed and move forward, with refinancing our home?