[{"data":1,"prerenderedAt":81},["ShallowReactive",2],{"guide-question-maryland-contractor-simulator-outstanding-obligations":3},{"site":4,"simulation":15,"topic":23,"question":26,"siblings":50,"prev":79,"next":80},{"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},"outstanding-obligations","Can unpaid supplier bills put your MHIC license at risk?","Yes. Under COMAR 09.08.01.22 the MHIC can treat unpaid debts from home improvement work as evidence of financial irresponsibility, which can affect your…","Yes. Under COMAR 09.08.01.22 the MHIC can treat unpaid debts from home improvement work as evidence of financial irresponsibility, which can affect your license. A payment plan shows good faith.",[32,33],"A vendor calls to collect on a $3,800 materials bill that's 90 days overdue. You've been stretching your payables because cash is tight.","The vendor mentions they'll report you to the MHIC.",null,"/media/voices/outstanding_obligations.mp3",[37,42],{"text":38,"verdict":39,"label":40,"explanation":41},"Negotiate a payment plan with the vendor immediately. Outstanding obligations can affect your license standing under COMAR 09.08.01.22","best","Correct","COMAR 09.08.01.22 addresses outstanding obligations. The MHIC can consider unpaid debts related to home improvement work as evidence of financial irresponsibility, which can affect your license. A payment plan demonstrates good faith. More practically: vendors who report you to the MHIC create a paper trail that compounds during renewal, especially combined with the credit report requirement (COMAR 09.08.01.19).",{"text":43,"verdict":44,"label":45,"explanation":46},"Ignore the vendor — the MHIC doesn't get involved in business-to-business disputes","wrong","Wrong","The MHIC absolutely considers outstanding obligations. COMAR 09.08.01.22 exists specifically because unpaid vendor debts indicate potential financial instability and harm the industry's reputation. Combined with the credit report requirement at renewal, unpaid debts create a pattern that the Commission evaluates. Your vendor relationships ARE part of your license standing.",[48,49],"COMAR 09.08.01.22","COMAR 09.08.01.19",[51,54,57,60,63,66,69,72,75,76],{"slug":52,"title":53,"topic":24},"first-day-as-contractor","What should a new MHIC contractor do before the first job?",{"slug":55,"title":56,"topic":24},"insurance-lapse","What happens if your contractor liability insurance lapses in Maryland?",{"slug":58,"title":59,"topic":24},"financial-solvency-check","How do you meet the MHIC financial solvency requirement at renewal?",{"slug":61,"title":62,"topic":24},"license-renewal-process","What does the MHIC require to renew a contractor license?",{"slug":64,"title":65,"topic":24},"corporate-license-question","Do you need to update your MHIC license when you form an LLC?",{"slug":67,"title":68,"topic":24},"address-change","Do you have to tell the MHIC when your business address changes?",{"slug":70,"title":71,"topic":24},"mhic-website-verification","What if the MHIC lookup shows your old business name?",{"slug":73,"title":74,"topic":24},"credit-report-surprise","Why does the MHIC review your credit report?",{"slug":27,"title":28,"topic":24},{"slug":77,"title":78,"topic":24},"annual-license-audit","How should a contractor respond to an MHIC compliance audit?",{"slug":73,"title":74,"topic":24},{"slug":77,"title":78,"topic":24},1792184484118]