As a subcontractor can I deal directly with the homeowner

Your question is whether a subcontractor can deal directly with the owner of the property on which they are working. The short answer is "yes," but there are a number of points to keep in mind.

First, a subcontractor must seek payment from the general contractor before attempting to collect from another party such as the homeowner.

Second, since a subcontractor does not have a contractual relationship with a property owner, the only way to secure payment is through the imposition of a mechanics lien on the subject property.

Third, a subcontractor has only a limited period of time in which to claim their mechanics lien rights before those rights are subjugated to those of others (such as the mortgage company) or extinguished altogether.

Finally, if the homeowner is willing to pay you directly and offset that payment against the general contractor they may do so - but they do so at their discretion. However, it is property for them to deduct sums that they paid directly from amounts the GC might demand.

There are a number of other points to raise here, so if you have additional questions feel free to contact our office. I hope this information has been helpful.