Maryland Clawback Guaranty
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How to fill out Clawback Guaranty?
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FAQ
File a Complaint - Home Improvement Commission If a licensed contractor was used, the homeowner may be compensated for actual losses through the Guaranty Fund claim process. There is a form, separate from the complaint form, which must be filed with the Commission for compensation from the Guaranty Fund.
What is the purpose of the Guaranty Fund? To reimburse actual losses of money or property suffered as a result of theft, embezzlement, false pretenses, forgery, fraud or misrepresentation.
How do I file a complaint? The first step in the complaint process is to complete and sign a written complaint form. Complaint forms are available online, or by visiting the Commission. You may also call the Commission at 410-230-6231 or 1-888-218-5925 to request that a complaint form be mailed to you.
The Guaranty Fund is funded through assessments against member insurers made after a member insurer is declared insolvent by a court of law. These funds are used to pay valid claims, as well as administrative expenses.
Maryland's Home Improvement Law requires that all contracts for home improvement work be in writing and signed by both the consumer and the business before work begins or any money is paid. Avoid any contractor whose contract does not have their name, address, and MHIC license number preprinted on the contract.
A state guaranty fund is administered by a U.S. state to protect policyholders in the event that an insurance company defaults on benefit payments or becomes insolvent. The fund only protects beneficiaries of insurance companies that are licensed to sell insurance products in that state.
TO FILE A GUARANTY FUND CLAIM A claim must be filed within three years of the date of discovery of loss or damage caused by a licensed contractor. To obtain a claim form, contact the investigator who is assigned to your complaint.