Nurse Practitioner Accused of $31K Insurance Fraud in Staged Burglary

A recent case out of Carmel, Indiana underscores the critical role insurance adjusters play in identifying potential fraud tied to newly issued policies. A nurse practitioner, already facing numerous felony charges related to prescription drug activity, is now accused of attempting to defraud an insurer by staging a residential burglary.

According to investigators, the practitioner filed an insurance claim totaling over $31,000—just 13 days after opening the policy—alleging the theft of high-end fashion items, electronics, and cash. However, police later found many of the items reported as stolen still in her or her husband’s possession. Some were even returned to retailers after the reported incident. Photos submitted to the insurer also appeared to have been taken after the alleged burglary, not before.

The practitioner was arrested a second time, shortly after posting bond for unrelated felony charges, and is now being held without bond. This case illustrates how closely fraudulent claims can intertwine with broader criminal activity and reinforces the need for thorough claim verification, especially in high-value or recently issued policies.

For claims professionals, this incident offers a pointed reminder about red flags like sudden policy activations followed by large, specific losses. Cross-referencing police reports, conducting site visits, and reviewing metadata from digital submissions can help verify or disprove loss claims in similar scenarios.