This is not just a story about renters insurance fraud. Those are a dime a dozen, unfortunately. They’re also usually quite easily rooted out.
Run of the mill insurance fraud doesn’t generally get anyone killed as a result, and it certainly doesn’t require cold blooded murder to pull it off. The story you’re about to read is not for the faint of heart, so we’ll put the jump here to give those easily horrified an out…
Angela Garcia of Cleveland, OH wasn’t a big fan of her kids. For reasons unknown to anyone except her, she felt unable to handle Nyeemah and Nijah, her two daughters. Whether it was stress, the work load, or something else, we may never know. The one thing she did want far more than her two daughters was money. Not a little money, a lot of money.
She apparently spent some time considering how to get rid of her daughters, trying to pawn them off on neighbors and friends, and when she started thinking about how to get money, the two just naturally coincided. She had a plan, a sinister plan that only Charles Manson could love.
The Sixty-Four Thousand Dollar Question
Now to most people $64,000 is a fair bit of money, but certainly not a large amount. It’s not going to buy you a house, or a boat, or a ticket out of the country before your harebrained scam is discovered. On November 20, 1999, she set fire to the home, and nearly immediately filed an Ohio renters insurance claim for $64,000 worth of property lost in the fire. Much of the claim was made up of items she had removed from the home before the fire, or items that she never owned in the first place. That’s bad enough to earn her a place in the Fraud Hall Of Shame, as well as the Stupid Hall Of Shame. Incidentally, Garcia has been deemed to be ineligible for a Darwin Award, in light of the fact that she’s still alive.
And Renters Insurance Fraud Isn’t The Worst Of It!
The worst of it, however, is yet to come. “On the evening of November 20, 1999, Garcia and her two daughters, Nyeemah, three years old, and Nijah, aged two, were at their home located on Harvard Avenue, Cleveland, Ohio. Before night’s end, the home was destroyed by fire, the two young girls dead from smoke inhalation, and Garcia the only survivor…” – Garcia v. Warden, Sixth Circuit
The girls had died of smoke inhalation before firefighters were able to rescue them. Garcia claimed to have tried desperately to save them, but that was later proven to be untrue. She had no injuries consistent with such an attempt. Later, it was further revealed that she had tied Nyeemah, the older daughter, with the cord from a window blind to prevent her from escaping the fire.
Let’s see that again, shall we. Garcia had tied her older daughter with the cord from a window blind to prevent her from escaping, so that she would be sure to get away with her fraud and murder scheme. Since the fire was initially ruled to be accidental, and the house was torn down two days later destroying any evidence to the contrary (Sixth Circuit, supra), she likely would have literally gotten away with murder if she hadn’t blatantly committed insurance fraud.
Renters insurance fraud and claim inflation doesn’t surprise us, regrettably. Killing your two toddlers in order to make the claim, and tying one of them to ensure their death, well, we have no words except sympathy for the remaining families of those two girls. As a result, we’ll leave you with the remarks of the judge who presided over Garcia’s case.
May you someday shed a tear for someone other than yourself. To you, these children were nothing more than coins in a slot machine – insert two children in a burning home, a home you set on fire, and hope, wait, plot, and plan for the money to come pouring out.