[{"data":1,"prerenderedAt":77},["ShallowReactive",2],{"guide-question-maryland-contractor-simulator-dual-contract-scam":3},{"site":4,"simulation":15,"topic":23,"question":26,"siblings":49,"prev":75,"next":76},{"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},"consumer-protection","Cancellation Rights & Consumer Protection",{"slug":27,"title":28,"description":29,"takeaway":30,"situation":31,"speaker":34,"speakerDescription":35,"speakerAvatar":36,"audioUrl":37,"choices":38,"citations":48},"dual-contract-scam","Is writing a second contract for the insurance company fraud?","Yes. A second, inflated contract for the insurance company is insurance fraud, a crime in Maryland for both you and the homeowner, and it ends in license…","Yes. A second, inflated contract for the insurance company is insurance fraud, a crime in Maryland for both you and the homeowner, and it ends in license revocation. Write one honest contract at one price.",[32,33],"Dave approaches you with an idea: \"Write two contracts — one for the real price at $40,000, and one for $25,000 that I'll show the insurance company for my claim. I'll pay you the full $40,000 cash.\"","He winks. \"Everybody does it.\"","Dave Kowalski","A homeowner who wants a deck and basement finished fast. Impatient and wants to cut corners.","/media/characters/homeowner_dave.png","/media/voices/dual_contract_scam.mp3",[39,44],{"text":40,"verdict":41,"label":42,"explanation":43},"Refuse immediately. Creating a fraudulent contract for insurance purposes is a crime. One contract, one price, documented honestly","best","Correct","Creating dual contracts to defraud an insurance company is insurance fraud — a criminal offense in Maryland. Both you and Dave would be liable. Beyond criminal charges, this would result in immediate MHIC license revocation, insurance policy cancellation, and potential civil suits. 'Everybody does it' is what people say right before they get caught. One contract. One price. Zero prison time.",{"text":45,"verdict":41,"label":46,"explanation":47},"Write one contract at $40,000 — what Dave tells his insurance company is his business, not yours","Acceptable","You're right that Dave's insurance claim isn't your direct responsibility, as long as you provide one honest contract. However, if you know he's planning fraud and you facilitate it in any way (inflating the contract, providing misleading documentation), you become an accessory. Keep your paperwork honest and let Dave handle his own business.",[],[50,53,56,59,62,65,68,69,72],{"slug":51,"title":52,"topic":24},"brenda-doortodoor","What must a door-to-door home improvement contract include?",{"slug":54,"title":55,"topic":24},"homeowner-cancellation-rights","Does every homeowner have a 3-day right to cancel?",{"slug":57,"title":58,"topic":24},"right-of-rescission-confusion","Does a home show sale carry a 3-day right to cancel?",{"slug":60,"title":61,"topic":24},"elderly-pressure-sale","What should you do about a pressured sale to an elderly homeowner?",{"slug":63,"title":64,"topic":24},"elder-abuse-investigation","What happens when a contractor is accused of exploiting an elderly client?",{"slug":66,"title":67,"topic":24},"price-gouging-after-storm","Can contractors raise prices after a storm in Maryland?",{"slug":27,"title":28,"topic":24},{"slug":70,"title":71,"topic":24},"insurance-claim-roofing","Can you sign an invoice for more than the work you did?",{"slug":73,"title":74,"topic":24},"model-home-referral-scam","How does COMAR regulate model home and referral offers?",{"slug":66,"title":67,"topic":24},{"slug":70,"title":71,"topic":24},1792184484119]