[{"data":1,"prerenderedAt":92},["ShallowReactive",2],{"guide-question-maryland-contractor-simulator-subcontractor-damages-property":3},{"site":4,"simulation":15,"topic":23,"question":26,"siblings":49,"prev":90,"next":91},{"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},"subcontractors-employees","Subcontractors, Liens & Workers",{"slug":27,"title":28,"description":29,"takeaway":30,"situation":31,"speaker":34,"speakerDescription":34,"speakerAvatar":34,"audioUrl":35,"choices":36,"citations":47},"subcontractor-damages-property","Who is liable when a subcontractor damages the home?","You are. Under COMAR 09.08.01.08 the prime contractor is responsible for all work on the contract, including subcontractors'.","You are. Under COMAR 09.08.01.08 the prime contractor is responsible for all work on the contract, including subcontractors'. File the claim on your liability insurance, manage the repair, and seek contribution from the sub's insurer.",[32,33],"Your plumber accidentally burst a pipe in the wall during a bathroom renovation, flooding the homeowner's finished basement. The water damage is extensive — ruined carpet, damaged drywall, soaked furniture.","The homeowner is looking at you, not the plumber.",null,"/media/voices/subcontractor_damages_property.mp3",[37,42],{"text":38,"verdict":39,"label":40,"explanation":41},"Take responsibility as the prime contractor. File a claim on your liability insurance. The homeowner's contract is with YOU, not the plumber. You can pursue the plumber's insurance separately for reimbursement","best","Correct","Under COMAR 09.08.01.08, the prime contractor is responsible for all work performed on a home improvement contract, including subcontractor work. The homeowner didn't hire the plumber — you did. Your $50,000 liability insurance covers this situation. File the claim, manage the remediation, and pursue the plumber's insurance for contribution. This is exactly why liability insurance is mandatory for MHIC licensees.",{"text":43,"verdict":44,"label":45,"explanation":46},"Tell the homeowner to file a claim against the plumber's insurance — it was his mistake","wrong","Wrong","The homeowner has no contractual relationship with your plumber. Their contract is with YOU. Deflecting responsibility to a subcontractor the homeowner didn't choose violates your duty as prime contractor under COMAR 09.08.01.08. The homeowner may not even know who the plumber is or how to reach their insurance. Handle it. That's your job.",[48],"COMAR 09.08.01.08",[50,53,56,59,62,65,68,71,74,75,78,81,84,87],{"slug":51,"title":52,"topic":24},"subcontractor-payment","Must you pay subcontractors when the homeowner pays late?",{"slug":54,"title":55,"topic":24},"tony-files-lien","What happens when an unpaid subcontractor files a mechanics lien?",{"slug":57,"title":58,"topic":24},"lien-rights-education","Can a subcontractor put a lien on a house the owner paid in full?",{"slug":60,"title":61,"topic":24},"client-wants-to-pay-sub-directly","Should a homeowner pay your subcontractor directly?",{"slug":63,"title":64,"topic":24},"mike-unlicensed-electrical","What if your electrician's license expired mid-job?",{"slug":66,"title":67,"topic":24},"subcontractor-not-licensed","Can you hire a plumber who is still getting licensed?",{"slug":69,"title":70,"topic":24},"homeowner-does-own-electrical","Can a homeowner do their own electrical work on your job?",{"slug":72,"title":73,"topic":24},"multiple-subs-coordination","Who coordinates subcontractors working in the same space?",{"slug":27,"title":28,"topic":24},{"slug":76,"title":77,"topic":24},"cousin-ray-no-show","How do you handle a subcontractor who stops showing up?",{"slug":79,"title":80,"topic":24},"worker-classification","Are your regular workers employees or 1099 contractors?",{"slug":82,"title":83,"topic":24},"workers-comp-claim","What must you do when an employee is hurt on the job?",{"slug":85,"title":86,"topic":24},"worker-injury-no-comp","What happens when an off-the-books worker is injured?",{"slug":88,"title":89,"topic":24},"hiring-day-laborers","What are the risks of hiring day laborers for cash?",{"slug":72,"title":73,"topic":24},{"slug":76,"title":77,"topic":24},1792184485351]