[{"data":1,"prerenderedAt":75},["ShallowReactive",2],{"guide-question-maryland-contractor-simulator-insurance-claim-roofing":3},{"site":4,"simulation":15,"topic":23,"question":26,"siblings":47,"prev":73,"next":74},{"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":34,"speakerAvatar":34,"audioUrl":35,"choices":36,"citations":46},"insurance-claim-roofing","Can you sign an invoice for more than the work you did?","No. Signing an invoice or completion certificate for more than the work you did is insurance fraud, even on the homeowner's policy.","No. Signing an invoice or completion certificate for more than the work you did is insurance fraud, even on the homeowner's policy. Invoice only for the work you actually performed.",[32,33],"A homeowner had storm damage to their roof. Their insurance adjuster approved a $12,000 claim. The homeowner wants you to do the repair for $8,000 and sign off that the full $12,000 was spent so they can pocket the $4,000 difference.","\"It's my insurance money. I can use it how I want.\"",null,"/media/voices/insurance_claim_roofing.mp3",[37,42],{"text":38,"verdict":39,"label":40,"explanation":41},"Refuse. Signing documentation that says $12,000 of work was performed when only $8,000 was done is insurance fraud — regardless of whose policy it is","best","Correct","Signing a completion certificate or invoice for $12,000 when you performed $8,000 in work is insurance fraud. It doesn't matter that it's the homeowner's policy. Your signature on fraudulent documentation makes you a co-conspirator. Criminal charges, license revocation, and civil liability follow. Do the work honestly. Invoice for what you actually performed.",{"text":43,"verdict":39,"label":44,"explanation":45},"Do the $8,000 repair and invoice for $8,000 — what the homeowner does with the remaining $4,000 from the insurance company isn't your problem","Also correct","You perform the work, you invoice honestly for what you did. If the insurance company overpaid the claim, that's between the homeowner and their insurer. As long as YOUR documentation is accurate, you're clean. Never sign anything that misrepresents the scope or cost of your work.",[],[48,51,54,57,60,63,66,69,70],{"slug":49,"title":50,"topic":24},"brenda-doortodoor","What must a door-to-door home improvement contract include?",{"slug":52,"title":53,"topic":24},"homeowner-cancellation-rights","Does every homeowner have a 3-day right to cancel?",{"slug":55,"title":56,"topic":24},"right-of-rescission-confusion","Does a home show sale carry a 3-day right to cancel?",{"slug":58,"title":59,"topic":24},"elderly-pressure-sale","What should you do about a pressured sale to an elderly homeowner?",{"slug":61,"title":62,"topic":24},"elder-abuse-investigation","What happens when a contractor is accused of exploiting an elderly client?",{"slug":64,"title":65,"topic":24},"price-gouging-after-storm","Can contractors raise prices after a storm in Maryland?",{"slug":67,"title":68,"topic":24},"dual-contract-scam","Is writing a second contract for the insurance company fraud?",{"slug":27,"title":28,"topic":24},{"slug":71,"title":72,"topic":24},"model-home-referral-scam","How does COMAR regulate model home and referral offers?",{"slug":67,"title":68,"topic":24},{"slug":71,"title":72,"topic":24},1792184484119]