WOW! Sorry to hear that? Where are you located? Our whole neighborhood has been/is being redone by a local contractor who is cashing in on hail damage. I never even thought about what would happen if he wasnt paying his subs. Does that actually become the home owners problem? My house was completed about 2 weeks ago. My contractor has been paid all but the last portion of the insurance money. My whole ordeal went much smoother. We had them do the roof as well, and they did an excellent job. I would hate for the subs not to have been paid.