The first step is to examine your contract, the scope of work, and the invoices. If the contractor did not perform the work set out under the agreement, then you may be entitled to damages. The damages can vary widely depending on the actions of the contractor. From the facts you describe, this article, "[What Are My Legal Options if the Contractor Left Unfinished Work?](https://www.robinsonandhenry.com/colorado/real-estate/contractor-never-completed-work/)" can give you an idea of your options. As it concerns the insurance company, we would need to know more details and the outcome will be largely dependent on the underlying claim. You can find more information on dealing with a mechanic's lien here: https://www.robinsonandhenry.com/colorado/real-estate/mechanics-liens-homeowners-guide/ Given the situation and the many moving parts, it is advisable to talk to a real estate attorney to discuss your situation. If you would like to set up a free case assessment, please go to robinsonandhenry.com/locations to start.