[{"data":1,"prerenderedAt":79},["ShallowReactive",2],{"guide-question-maryland-contractor-simulator-annual-license-audit":3},{"site":4,"simulation":15,"topic":23,"question":26,"siblings":49,"prev":78,"next":34},{"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},"licensing","MHIC Licensing & Renewal",{"slug":27,"title":28,"description":29,"takeaway":30,"situation":31,"speaker":34,"speakerDescription":34,"speakerAvatar":34,"audioUrl":35,"choices":36,"citations":47},"annual-license-audit","How should a contractor respond to an MHIC compliance audit?","Cooperate and respond by the deadline with organized records: signed contracts, insurance certificates, Guaranty Fund receipts, and business records.","Cooperate and respond by the deadline with organized records: signed contracts, insurance certificates, Guaranty Fund receipts, and business records. Under COMAR 09.08.01.27, failing to respond is itself grounds for discipline.",[32,33],"The MHIC conducts random compliance audits. You receive a letter: the Commission is requesting copies of all contracts executed in the past 12 months, proof of current insurance, and your Guaranty Fund payment receipts.","You have 30 days to respond.",null,"/media/voices/annual_license_audit.mp3",[37,42],{"text":38,"verdict":39,"label":40,"explanation":41},"Gather all requested documentation and submit within the deadline. This is routine — the MHIC audits to ensure licensed contractors are operating in compliance. Having organized records makes this painless","best","Correct","MHIC compliance audits are a normal part of the regulatory process. Contractors with organized records handle them in a few hours. This is where all that documentation pays off: signed contracts, insurance certificates, Guaranty Fund receipts, and business records should be easily accessible. Respond within the deadline — COMAR 09.08.01.27 applies here too. A non-response to a compliance audit is a fast track to disciplinary action.",{"text":43,"verdict":44,"label":45,"explanation":46},"Hire a lawyer to fight the audit — they can't just demand your business records","wrong","Wrong","MHIC licensing gives the Commission regulatory authority over your business practices. Compliance audits are within their authority. Fighting an audit looks like you have something to hide and costs legal fees that exceed the time needed to simply comply. If your records are in order, the audit is a non-event. If they're not, the lawyer can't create documentation that doesn't exist.",[48],"COMAR 09.08.01.27",[50,53,56,59,62,65,68,71,74,77],{"slug":51,"title":52,"topic":24},"first-day-as-contractor","What should a new MHIC contractor do before the first job?",{"slug":54,"title":55,"topic":24},"insurance-lapse","What happens if your contractor liability insurance lapses in Maryland?",{"slug":57,"title":58,"topic":24},"financial-solvency-check","How do you meet the MHIC financial solvency requirement at renewal?",{"slug":60,"title":61,"topic":24},"license-renewal-process","What does the MHIC require to renew a contractor license?",{"slug":63,"title":64,"topic":24},"corporate-license-question","Do you need to update your MHIC license when you form an LLC?",{"slug":66,"title":67,"topic":24},"address-change","Do you have to tell the MHIC when your business address changes?",{"slug":69,"title":70,"topic":24},"mhic-website-verification","What if the MHIC lookup shows your old business name?",{"slug":72,"title":73,"topic":24},"credit-report-surprise","Why does the MHIC review your credit report?",{"slug":75,"title":76,"topic":24},"outstanding-obligations","Can unpaid supplier bills put your MHIC license at risk?",{"slug":27,"title":28,"topic":24},{"slug":75,"title":76,"topic":24},1792184484118]