[{"data":1,"prerenderedAt":94},["ShallowReactive",2],{"guide-question-maryland-contractor-simulator-guaranty-fund":3},{"site":4,"simulation":15,"topic":23,"question":26,"siblings":49,"prev":33,"next":93},{"name":5,"tagline":6,"title":7,"description":8,"guideTitle":9,"guideDescription":10,"ogImage":11,"disclaimer":12,"practicePitch":13,"citationsTitle":14},"Free MHIC Training","Maryland home improvement exam prep","Free MHIC Exam Prep: Maryland Home Improvement Contractor Practice","Free, narrated MHIC exam prep: 147 real Maryland contractor scenarios, every choice explained, with the law cited where it applies.","MHIC Exam Study Guide","Every scenario in the free Maryland Contractor Simulator, written out as a practice question: the situation, your options, how each choice plays out, and the Maryland law where it applies.","/og/free-mhic-training.png","Free MHIC Training is free study material for the Maryland home improvement contractor exam. It is not affiliated with the Maryland Home Improvement Commission and is not legal advice.","The free Maryland Contractor Simulator puts you in situations like these across a 40-day contracting career, narrated, with your license on the line. No account needed.","Law and codes cited",{"slug":16,"title":17,"subtitle":18,"description":19,"maxTurns":20,"characterCount":21,"scenarioCount":22},"maryland-contractor-simulator","Maryland Contractor Simulator","Learn the law by living it.","You just got your MHIC license application approved and you're starting your home improvement business in Maryland. Navigate real contractor scenarios — contracts, permits, clients, subcontractors, and inspectors. Every choice teaches you the law through consequence, not memorization. Master all five exam areas to pass.",40,20,147,{"slug":24,"title":25},"complaints-guaranty-fund","Complaints, Warranties & the Guaranty Fund",{"slug":27,"title":28,"description":29,"takeaway":30,"situation":31,"speaker":33,"speakerDescription":33,"speakerAvatar":33,"audioUrl":34,"choices":35,"citations":46},"guaranty-fund","What is the MHIC Guaranty Fund?","A fund financed by mandatory contributions from every licensed contractor, under COMAR 09.08.01.20, that reimburses homeowners for actual financial loss…","A fund financed by mandatory contributions from every licensed contractor, under COMAR 09.08.01.20, that reimburses homeowners for actual financial loss caused by a licensed contractor's violation of home improvement law, up to set limits.",[32],"A new client asks you about the MHIC Guaranty Fund. \"My friend got ripped off by her contractor and she got money back from some fund. What is that exactly?\"",null,"/media/voices/guaranty_fund.mp3",[36,41],{"text":37,"verdict":38,"label":39,"explanation":40},"Explain that all licensed contractors contribute to the Guaranty Fund, which reimburses homeowners who suffer financial loss from a licensed contractor's violation. It's a consumer protection backed by the industry","best","Correct","The MHIC Guaranty Fund is funded by mandatory contributions from all licensed contractors (COMAR 09.08.01.20). It provides reimbursement to homeowners who suffer actual financial loss due to a licensed contractor's violation of home improvement law. The fund has a per-claim and aggregate limit. Knowing this and explaining it confidently shows professionalism.",{"text":42,"verdict":43,"label":44,"explanation":45},"Tell her not to worry about it — it's just a government thing that doesn't affect your work","wrong","Dismissive","The Guaranty Fund is directly relevant to your client. It's a selling point for hiring licensed contractors — homeowners have financial protection if something goes wrong. Under COMAR 09.08.01.26, your contract must include a notice about the Guaranty Fund. Dismissing it suggests you either don't understand it or don't want the client thinking about recourse.",[47,48],"COMAR 09.08.01.20","COMAR 09.08.01.26",[50,51,54,57,60,63,66,69,72,75,78,81,84,87,90],{"slug":27,"title":28,"topic":24},{"slug":52,"title":53,"topic":24},"warranty-complaint","What happens if you ignore an MHIC complaint letter?",{"slug":55,"title":56,"topic":24},"complaint-timeline","Can a homeowner file an MHIC complaint after your warranty ends?",{"slug":58,"title":59,"topic":24},"consumer-protection-hotline","Is a two-day delay grounds for an MHIC complaint?",{"slug":61,"title":62,"topic":24},"mhic-hearing","How should you prepare for an MHIC disciplinary hearing?",{"slug":64,"title":65,"topic":24},"contractor-abandonment","What counts as project abandonment?",{"slug":67,"title":68,"topic":24},"abandonment-complaint","How do you respond to an MHIC abandonment complaint?",{"slug":70,"title":71,"topic":24},"documentation-saves-you","What documentation defends you against an MHIC complaint?",{"slug":73,"title":74,"topic":24},"warranty-callback","How should you handle a warranty callback?",{"slug":76,"title":77,"topic":24},"warranty-vs-normal-wear","Does your warranty cover damage the homeowner caused?",{"slug":79,"title":80,"topic":24},"after-hours-emergency","What do you owe a client in an after-hours warranty emergency?",{"slug":82,"title":83,"topic":24},"final-walkthrough","How do you run a final walkthrough and punch list?",{"slug":85,"title":86,"topic":24},"completion-certificate","What should a project completion package include?",{"slug":88,"title":89,"topic":24},"newlyweds-disappointment","How do you handle a client disappointed with finished work?",{"slug":91,"title":92,"topic":24},"flipper-buyer-discovers","Who is liable when a flip buyer finds unpermitted work?",{"slug":52,"title":53,"topic":24},1792184485436]