A Toms River man was indicted Thursday on a charge of attempting to defraud his homeowner’s insurance company of nearly $80,000 by claiming he had made Sandy-related repairs to his roof when he hadn’t, according to state prosecutors. Louis Ciardi, 55, was charged with second-degree insurance fraud and second-degree theft by deception in a state grand jury indictment, according to acting Attorney General John J. Hoffman and the Office of the Insurance Fraud Prosecutor.