I see your association between the two General and Sub contractors and understand your logic of it but it still seems largely unfair to the homeowner, who I am sure didn't even know there was a "contracted" examiner.  Who explains that in closing when signing all those papers.  Your lucky if you can get the Homeowner to understand the figures (tax prorations anyone?) much less the paticulars behind each one (and believe me I have had some that want to know what each fee is and what is for, why it is so much and who really gets it - rare but true).  

So, you file the lien and lets say the borrower pays again direct to you - where does that leave the homeowner?  Bitter and cheated with no course to recoup the money. 

I am all for filing the liens as you should be paid, no questions asked.  But, filing against the company or the owner(s) of the company would be more prudent.  I think homeowners are going through enough these days with out having to be double dipped because some Jack*** can't or won't pay his bills.