Florida City, FL - A Florida City couple has been accused of staging a kitchen fire to commit insurance fraud, despite initially claiming the blaze started from burning tortillas.
Police reports reveal that the couple told investigators the fire began accidentally when tortillas were left unattended on the stove.
However, authorities say evidence from the scene points to deliberate arson.
Investigators found irregular burn patterns and traces of accelerants, which contradicted the couple's account.
Additionally, they had recently taken out a significant insurance policy on the property, raising suspicions.
Both individuals have been arrested and charged with arson and insurance fraud.
In Florida, arson and insurance fraud are serious offenses, each carrying significant penalties.
First-degree arson involves willfully and unlawfully damaging by fire or explosion any dwelling, occupied or not, or any structure where people are normally present.
It is classified as a first-degree felony, punishable by up to 30 years in prison and fines up to $10,000.
Second-degree arson pertains to willfully and unlawfully damaging by fire or explosion any structure not covered under first-degree arson.
It is a second-degree felony, carrying penalties of up to 15 years in prison and fines up to $10,000.
Under Florida Statute 817.234, insurance fraud occurs when an individual, with intent to defraud, presents false or misleading information in support of an insurance claim.
The severity of the penalty depends on the value of the fraudulent claim:
- Third-Degree Felony: For fraudulent claims less than $20,000, punishable by up to 5 years in prison and fines up to $5,000.
- Second-Degree Felony: For fraudulent claims between $20,000 and $100,000, punishable by up to 15 years in prison and fines up to $10,000.
- First-Degree Felony: For fraudulent claims over $100,000, punishable by up to 30 years in prison and fines up to $10,000.
Committing arson with the intent to defraud an insurance company can lead to charges for both arson and insurance fraud.
This combination can result in cumulative penalties, including extended prison sentences and substantial fines.
Additionally, individuals may be required to pay restitution to victims or insurance companies for losses incurred due to the fraudulent act.
The investigation is ongoing, and authorities are urging anyone with relevant information to come forward.