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News Release

For Immediate Release
December 13, 2013

Catherine L. Bernhard, Senior Assistant Attorney General
NH Insurance Department Fraud Prosecutor
(603) 271-2898; (603) 271-7973 x235

Joshua Calaguiro Pleads Guilty to Insurance Fraud

On December 12, 2013, Joshua Calaguiro of Milford, N.H. pleaded guilty to one Class B felony insurance fraud in Rockingham County Superior Court. As part of his sentence, he will serve 90 days at the House of Corrections, pay a fine of $2,000 with $1,000 suspended, and be placed on probation for one year.

The fraud arises from an insurance claim filed with Safety Insurance after Mr. Calaguiro reported a burglary at his home in Milford, NH on October 16, 2012. He reported that while his girlfriend, Heather Spain, and he were at work, the house was broken into and approximately $11,000 of personal property was stolen, including a diamond engagement ring valued at approximately $7,400. Mr. Calaguiro reported this loss to his insurance agent and after the ordinary processing of the claim, Safety paid Mr. Calaguiro for his reported loss. The burglary was investigated by the police, but remained unsolved.

On April 28, 2013, Heather Spain reported to the Milford Police Department that she believed Mr. Calaguiro staged the burglary. She said the couple recently decided to separate, and that while she was packing her belongings to move from the house, she located a box containing some of the items that Mr. Calaguiro had reported were taken during the burglary. The Milford Police investigated and found many of the items reported as part of the insurance claim inside the house. On May 1, 2013, Mr. Calaguiro reported to the police station and made a statement that he and Heather had staged the burglary in order to obtain the insurance payment to pay for his daughter's medical treatment. Investigators did not find evidence to substantiate Mr. Calaguiro's claim that Ms. Spain was involved in staging the burglary.

Commissioner Sevigny and Attorney General Foster noted perpetrators of insurance fraud will be vigorously prosecuted. In this case, financial hardship does not justify fraud or theft achieved in this manner.

Although any law enforcement agency can investigate fraud in New Hampshire, insurance companies are required to report any suspected insurance fraud to the NH Insurance Department Fraud Unit for investigation and prosecution. This investigation was completed as collaboration between the NH Attorney General's Office and the NH Insurance Department Insurance Fraud Unit.

New Hampshire Department of Justice | 33 Capitol Street | Concord, NH | 03301
Telephone: 603-271-3658