Court Opinion

ID: 2696189
Source: CourtListenerOpinion
Date Created: 2014-08-04 15:35:49.941464+00
Date Added: 2024-06-11T08:32:59.042728
License: Public Domain

[Cite as State v. Kaczmarek, 2013-Ohio-5658.]

                      IN THE COURT OF APPEALS OF OHIO
                          THIRD APPELLATE DISTRICT
                              HANCOCK COUNTY

STATE OF OHIO,

        PLAINTIFF-APPELLEE,                            CASE NO. 5-12-32

        v.

HOLLY M. KACZMAREK                                     OPINION

        DEFENDANT-APPELLANT.

                Appeal from Hancock County Common Pleas Court
                          Trial Court No. 2011 CR 327

                       Judgment Reversed and Cause Remanded

                          Date of Decision: December 23, 2013

APPEARANCES:

        Deborah Kovac Rump for Appellant

        Mark C. Miller and Alex K. Treece for Appellee
Case No. 5-12-32

ROGERS, J.

       {¶1} Defendant-Appellant, Holly M. Kaczmarek (“Kaczmarek”), appeals

the judgment of the Court of Common Pleas of Hancock County, finding her

guilty of insurance fraud and sentencing her to community control. Kaczmarek

contends that the trial court erred by: (1) denying her motion for judgment of

acquittal at the end of the State’s evidence; and (2) entering a judgment that was

against the manifest weight of the evidence. Kaczmarek also argues that the

prosecutor in her case engaged in prosecutorial misconduct. For the reasons that

follow, we reverse the trial court’s judgment.

       {¶2} On December 27, 2011, the Hancock County Grand Jury indicted

Kaczmarek on one count of insurance fraud in violation of R.C. 2913.47(B)(1), a

felony of the fifth degree. On January 11, 2012, Kaczmarek was arraigned and

pleaded not guilty to the charge.

       {¶3} A jury trial of this matter commenced on July 16, 2012, and ended on

July 17, 2012. The State’s first witness was Officer Tim Brown of the Findlay

Police Department. Officer Brown testified that he was working on June 25, 2011,

and was dispatched around 8:30 p.m. to Arbors Parkway, Apt. 33, for a possible

unlawful entry in progress.         When Officer Brown arrived, he spoke with

Kaczmarek and her son. Kaczmarek told Officer Brown that when she opened the

garage, she noticed that the door going into her apartment was open. When she

                                         -2-
Case No. 5-12-32

looked inside her apartment she had noticed that her apartment and some of her

possessions had been damaged. Officer Brown then waited for Officer Eier to

arrive and together they searched the apartment for possible suspects. Once it was

determined that no one was inside, Officer Brown began to take photographs of all

the damage that had occurred inside the apartment. These photographs were later

offered into evidence.

       {¶4} Officer Brown testified that he did not recall seeing any damage to

Kaczmarek’s door which would have indicated that someone forced his or her way

into the apartment.      As to the damage done to Kaczmarek’s apartment, Officer

Brown testified that there was Canola oil on her floor and black spray paint all

over the walls, inside the refrigerator, freezer, dishwasher, and washing machine.

There was also spray paint in the bathroom, on the bedroom walls, and on

Kaczmarek’s bed, television, and dresser. There were nail polish stains on the

walls of Kaczmarek’s closet and her jewelry case was opened with jewelry thrown

about her floor.

       {¶5} Officer Brown then testified that Kaczmarek told him that she left her

apartment around 6:00 p.m. that night to pick up her son. When she came back to

her apartment around 8:30 p.m., she noticed that her door was open and called the

police. Kaczmarek told Officer Brown that she had purchased the black spray

                                        -3-
Case No. 5-12-32

paint earlier that day at a Wal-Mart and provided Officer Brown with a receipt;

however, Officer Brown did not collect the receipt.

       {¶6} Officer Brown also testified that Kaczmarek provided a written

statement on June 27, 2011. The statement contained a section which described

the incident and also listed items that had been taken or destroyed. Among the

items that were stolen were rings, watches, and three different bags.

       {¶7} The next witness to testify for the State was Cathy Harris, the property

manager for the Arbors of Findlay. Harris testified that Kaczmarek contacted her

on June 27, 2011, and told Harris that her apartment had been broken into and

vandalized. Harris stated that Kaczmarek told her that she had bought the spray

paint cans at Wal-Mart during the day on June 25, 2011. Harris testified that the

apartment complex had to pay over $3,000 to restore Kaczmarek’s apartment to its

original condition.

       {¶8} Detective Jay Myers of the Findlay Police Department was the next

witness to testify for the State. Detective Myers testified that he was assigned to

process the recovered evidence that Officer Brown collected. However, Detective

Myers was not able to recover any usable fingerprints from the evidence.

Detective Myers then testified that he contacted the loss prevention department of

the Tiffin Avenue Wal-Mart.        He then obtained the video of Kaczmarek

purchasing the cans of spray paint. The transaction took place at 7:11 p.m.

                                        -4-
Case No. 5-12-32

       {¶9} Detective Myers testified that Kaczmarek had told him that she had

insurance through Homesite Insurance and that Patricia Reynolds was the agent

handling the claim. Kaczmarek also told Detective Myers that she had received

$1,000 for the jewelry that was stolen during the break in and also received some

money for furniture that was damaged, although she did not disclose a specific

amount. Detective Myers testified that he spoke with Reynolds and also stated

that he learned that Kaczmarek had received $16,000 from Homesite Insurance.

Detective Myers then confronted Kaczmarek about the inconsistency in her story

about when she bought the spray paint. After being informed about the existence

of the Wal-Mart video, Detective Myers testified that he and Kaczmarek had the

following discussion:

       A: I told her that times weren’t matching. That she kept saying it
       was early i[n] the morning she bought the paint, yet the video and
       information I received from Wal-Mart clearly states it was 7:10 p.m.
       Just before – shortly before the police were called and this damage
       occurred. She then said she remembered now what happened. She
       stated that she was at Wal-Mart buying the paint and [her son] called
       wanting a ride from the mall. So she returned to her apartment at
       the Arbors. She had to use the restroom. Went into the garage and
       left the paint on a blue tub in the garage. Then she went to pick [her
       son] up. Went to McDonalds. They ate, and then she returned home
       and found the damage.

Trial Tr., p. 237-38.

       {¶10} The State next called Daniel Lerma, a locksmith with Bill’s Lock

Service. Lerma stated he looked at the lock on Kaczmarek’s apartment that

                                        -5-
Case No. 5-12-32

Kaczmarek had told Harris was not working properly. Lerma testified that he did

not see any damage to the lock and opined that the lock could not be opened from

the outside without using a key or destroying the lock.

       {¶11} Benjamin Wilkerson was the next witness for the State and stated

that he was an Asset Protection Manager with Wal-Mart. Wilkerson testified that

the video showing Kaczmarek purchasing spray paint cans at 7:11 p.m. was

accurate and there was no indication of any alterations.

       {¶12} Michael Hollar then testified for the State. Hollar testified that he is

employed as an independent field adjuster for Apex Adjusting. Hollar clarified

that he does not actually work for an insurance company, but instead acts as a third

party who is hired to handle certain claims.        Hollar testified that Homesite

Insurance insures homes and provides renters insurance in Ohio and that he had

worked on over 500 claims for Homesite Insurance in Ohio. Hollar also stated

that Homesite Insurance has offices in Akron, Ohio, and in Massachusetts. Hollar

also testified:

       A: No. What we’re required to do is, we ask the insured to create a
       list of all the damaged items throughout the home. Once she creates
       that risk [sic] we also inform her please collect any receipts that she
       might have. If she’s not able to collect any receipts we ask her to at
       least take the time to find, you know, go through if she can, get the
       make, model and year of any product. If she’s not sure exactly the
       make and model but she can decide what the year is, the insurance
       company, they have their o[w]n department for content. They work
       at their own – what they have for their own product to determine.

                                         -6-
Case No. 5-12-32

       Q:   Is the purpose there to get reimbursement for the loss?

       A:   It is.

Id. at p. 295-96.

       {¶13} At the close of the State’s evidence, Kaczmarek moved for a Crim.R.

29 motion for acquittal. Kaczmarek argued that there were no witnesses from

Homesite Insurance that testified Homesite is authorized to engage in the business

of insurance in the State of Ohio. Since the State was unable to show that

Homesite Insurance was licensed to operate in Ohio, it failed to prove an element

of insurance fraud.     The trial court denied Kaczmarek’s motion stating that

although “the better practice would have been to have someone from Homesite

here to testify * * * there’s enough evidence that can be gleaned from this to

suggest that Homesite is an insurer [and] is licensed to practice in the State of

Ohio.” Id. at p. 315.

       {¶14} During Kaczmarek’s case-in-chief the following relevant evidence

was adduced. Javier Ramos, Kaczmarek’s son, testified that in the evening of

June 25, 2011, he was at the Findlay Mall with a friend. They needed a ride to get

home, so Ramos called his mother to pick him and his friend up. Ramos testified

that his mother told him that she had to stop at her apartment before she could pick

him up. Then, ten minutes later, Kaczmarek picked him up from the Findlay Mall,

went to McDonalds, and then returned to Kaczmarek’s apartment. When Ramos

                                        -7-
Case No. 5-12-32

and Kaczmarek arrived at her apartment they saw that the door was opened and

realized the apartment had been vandalized. Ramos testified that his mother was

panicking and crying. Kaczmarek made the 911 call but was crying so hard she

had to hand Ramos the phone to complete the call.

       {¶15} The defense then rested and Kaczmarek renewed her motion for

acquittal, which the trial court denied.

       {¶16} On July 17, 2012, the jury returned a guilty verdict on the insurance

fraud charge.    A pre-sentence investigation was ordered, and sentencing was

originally set for September 26, 2012. At that hearing, Kaczmarek informed the

court that she was no longer satisfied with her attorney’s representation, and that

she wanted new counsel. Kaczmarek’s attorney then requested to withdraw, and

that request was granted. The court continued the sentencing hearing so that

Kaczmarek could meet with her new attorney.

       {¶17} On October 29, 2012, a sentencing hearing was held. The court

sentenced Kaczmarek to community control, with specific sanctions which

required Kaczmarek serve seven days in jail and that Kaczmarek pay restitution in

the amount of $16,000. A judgment entry reflecting this was filed that same day,

October 29, 2012.

       {¶18} Kaczmarek then timely appealed this judgment, presenting the

following assignments of error for our review.

                                           -8-
Case No. 5-12-32

                           Assignment of Error No. I

      THE TRIAL COURT ERRED BY NOT GRANTING
      APPELLANT’S     MOTION   FOR    JUDGMENT    OF
      ACQUITTAL PURSUANT TO CRIM.R. 29(A). THE STATE
      FAILED TO PROVE ESSENTIAL ELEMENTS OF THE
      CRIME INCLUDING THE INSURANCE COMPANY’S
      STATUS AS AN INSURER UNDER OHIO LAW.

                           Assignment of Error No. II

      APPELLANT’S CONVICTION FOR INSURANCE FRAUD
      WAS AGAINST THE MANIFEST WEIGHT OF THE
      EVIDENCE.

                          Assignment of Error No. III

      THE PROSECUTOR ENGAGED IN MISCONDUCT WHEN
      HE IMPROPERLY ADVISED THE JURY THAT MULTIPLE
      ISSUES, INCLUDING THE STATUS OF THE INSURANCE
      COMPANY, WERE NOT IN DISPUTE AND OTHERWISE
      MISSTATING THE LAW.

      {¶19} In her first assignment of error, Kaczmarek argues that the trial court

erred in denying her Crim.R. 29(A) motion for acquittal. Specifically, Kaczmarek

contends that the State failed to produce any evidence that Homesite Insurance

was licensed to operate in Ohio. We agree.

                               Standard of Review

      {¶20} Crim.R. 29(A) provides that a court must order the entry of a

judgment of acquittal of a charged offense “if the evidence is insufficient to

sustain a conviction of such offense[.]” However, “a court shall not order an entry

of judgment of acquittal if the evidence is such that reasonable minds can reach

                                        -9-
Case No. 5-12-32

different conclusions as to whether each material element of a crime has been

proved beyond a reasonable doubt.” State v. Bridgeman, 55 Ohio St.2d 261

(1978), syllabus. Thus, a motion for acquittal tests the sufficiency of the evidence.

State v. Tatum, 3d Dist. Seneca No. 13–10–18, 2011–Ohio–3005, ¶ 43, citing State

v. Miley, 114 Ohio App.3d 738, 742 (4th Dist.1996).

       {¶21} When an appellate court reviews a record for sufficiency, the

relevant inquiry is whether, after viewing the evidence in a light most favorable to

the prosecution, any rational trier of fact could have found the essential elements

of the crime proven beyond a reasonable doubt. State v. Monroe, 105 Ohio St.3d

384, 2005–Ohio–2282, ¶ 47.         Sufficiency is a test of adequacy.       State v.

Thompkins, 78 Ohio St.3d 380, 386 (1997), superseded by constitutional

amendment on other grounds as stated in State v. Smith, 80 Ohio St.3d 89 (1997).

Accordingly, the question of whether the offered evidence is sufficient to sustain a

verdict is a question of law. State v. Wingate, 9th Dist. Summit No. 26433, 2013-

Ohio-2079, ¶ 4.

                                R.C. 2913.47(B)(1)

       {¶22} Kaczmarek was charged with insurance fraud in violation of R.C.

2913.47(B)(1) which provides:

       (B) No person, with purpose to defraud or knowing that the person
       is facilitating a fraud, shall * * *:

                                        -10-
Case No. 5-12-32

       (1) Present to, or cause to be presented to, an insurer any written or
       oral statement that is part of, or in support of, an application for
       insurance, a claim for payment pursuant to a policy, or a claim for
       any other benefit pursuant to a policy, knowing that the statement, or
       any part of the statement, is false or deceptive[.]

Further, “insurer” is defined:

       [A]ny person that is authorized to engage in the business of
       insurance in this state under Title XXXIX of the Revised Code, the
       Ohio fair plan underwriting association created under section
       3929.43 of the Revised Code, any health insuring corporation, and
       any legal entity that is self-insured and provides benefits to its
       employees or members.

R.C. 2913.47(A)(3).

                             Recapitulation of Evidence

       {¶23} Bearing this statutory language in mind, we turn our attention to the

evidence presented at trial. The record reveals that the State did not present

sufficient evidence to overcome Kaczmarek’s motion of acquittal.

       {¶24} The only testimony that was elicited regarding whether Homesite

was authorized to engage in the business of insurance of Ohio came from Michael

Hollar, a claims adjuster for Apex Adjusting, not Homesite Insurance. He merely

testified that he has handled claims on behalf of Homesite Insurance before and

that he knows Homesite Insurance has an office in Akron, Ohio. However, there

was no representative of the company called to testify, and no certification of

registration with the Ohio Secretary of State demonstrating licensing in Ohio. The

State relied on circumstantial evidence that Homesite, in fact, conducted business

                                        -11-
Case No. 5-12-32

in Ohio. However, the test required by the statute is whether the company is, in

fact, authorized, to conduct business in this state.1 This case is on all fours with a

unanimous decision of the Tenth District Court of Appeals (authored by the late

Judge Peggy Bryant).

         The state’s evidence falls short of proving the necessary factors
         establishing that Indiana Insurance is an “insurer” as defined in R.C.
         2913.47(A)(3). Indeed, the fact that Indiana Insurance performs the
         activities as noted no more establishes that Indiana Insurance is
         licensed to transact business in Ohio than driving a car establishes
         that the driver is a licensed driver. Each of the noted activities may
         be performed by a non-licensed insurer, provided the entity
         successfully avoids detection under Ohio’s insurance laws.

(Citation omitted.) State v. Kirkland, 10th Dist. Franklin No. 97APA07-873, 1998

WL 164999, * 9 (Apr. 9, 1998). Accordingly, the State’s evidence on this issue is

woefully inadequate.

         {¶25} While the dissent attempts to rely on our previous decision of State v.

Eggeman, 3d Dist. Van Wert No. 15-04-07, 2004-Ohio-6495, we find it

distinguishable from the present case. First, in Eggeman, the defendant did not

properly preserve his Crim.R. 29 motion, and thus, we did not address whether the

State presented sufficient evidence to convict the defendant of insurance fraud.

Eggeman at ¶ 21. Instead, this court only looked at whether the jury’s verdict was

1
  The inclusion of the definition of “insurer” in R.C. 2913.47 demonstrates that satisfying the definition of
insurer is an element of insurance fraud for two reasons. First, the exclusive subject of R.C. 2913.47 is
insurance fraud; therefore, the above definition of “insurer” cannot refer to any other offense. Second, the
inclusion of the definition in this section indicates that the legislature intended that the insurer protected by
R.C. 2913.47 belong to one of the four enumerated groups of entities. Holding that the crime of insurance
fraud does not require proof that the defrauded entity was an “insurer” as defined under this section, would
make division (A)(3) of R.C. 2913.47 meaningless.

                                                     -12-
Case No. 5-12-32

against the manifest weight of the evidence, which is a separate and distinct test

than a test from sufficiency. See State v. Drummond, 111 Ohio St.3d 14, 2006-

Ohio-5084, ¶ 193 (“A claim that a jury verdict is against the manifest weight of

the evidence involves a separate and distinct test that is much broader [than the

test for sufficiency].”).

       {¶26} Secondly, in Eggeman, this court held that there was no manifest

miscarriage of justice because the State had presented evidence that showed: (1)

the defendant’s insurance agent was located in his town; and (2) the defendant’s

receipt of insurance proceeds. Eggeman at ¶ 27. This court also considered the

fact the defendant never challenged the “insurer” issue at trial. Id. Here, there

was no testimony that Kaczmarek’s insurance agent was located in Findlay, Ohio.

To the contrary, testimony was elicited from Detective Myers that Kaczmarek’s

insurance agent, Patricia Reynolds, was “out of Boston[, Massachusetts].” Trial

Tr., p. 231. Also, Kaczmarek repeatedly challenged whether Homesite Insurance

is a proper insurer as defined by the Ohio Revised Code.

       {¶27} Further, in State v. Hancock, 12th Dist. Clermont No. CA99-05-048,

2000 WL 1336317 (Sept. 18, 2000), the decision this court relied upon in

Eggeman, is likewise distinguishable from Kaczmarek’s case. In Hancock, the

court relied on the fact that: (1) the insurance company in question was a domestic

company rather than an out of-state insurance company; and (2) the State offered

                                       -13-
Case No. 5-12-32

the actual policy of the insurance company and an underwriter’s affidavit, which

both listed the insurance company’s address as Hamilton, Ohio. Hancock at * 4.

Here, the State did not offer Kaczmarek’s policy into evidence. The State also

decided not to offer any evidence which showed an Ohio address for Homesite

Insurance.2 While the dissent believes Hollar’s report is sufficient evidence to

show Homesite was licensed to do business in Ohio, we simply disagree. Unlike

the policy or affidavit submitted in Hancock, Hollar’s report does not have any

address listed for Homesite Insurance and is unhelpful and irrelevant in

determining whether Homesite Insurance was authorized to conduct business in

Ohio.

         {¶28} Therefore, while the State may have produced some circumstantial

evidence that Homesite Insurance conducted business in Ohio, it failed to produce

sufficient evidence that would prove Homesite Insurance was authorized to

conduct business in Ohio.

         {¶29} Furthermore, the State failed to present any evidence as to any

fraudulent claim allegedly submitted to the alleged insurer. No document was

produced that demonstrated what claims had been submitted or which portion of

the claims was supposedly fraudulent. The State wants to rely on the fact that

2
 The mere fact that an insurance company lists an Ohio address on its stationary, on its own, is insufficient
evidence to prove that the same insurance company is authorized to do business in Ohio. We are only
highlighting the differences in the present case with Hancock to emphasize how the record is devoid of any
evidence which shows Homesite Insurance was authorized to conduct business in Ohio.

                                                   -14-
Case No. 5-12-32

Kaczmarek admitted to receiving $1,000 for stolen jewelry. However, the State

failed to present any evidence which would show that Kaczmarek’s jewelry was

not, in fact, lost or stolen. The State then attempts to bolster this admission with

Detective Myers’ testimony he spoke with Homesite Insurance and learned that

Kaczmarek received $16,000 from Homesite. First, this is hearsay, inadmissible,

and unsubstantiated. Secondly, if the Detective Myers was able to speak with the

Homesite Insurance, why not request that it produce a copy of the claim, proof of

payment, and a witness for trial?

       {¶30} Even if one accepts that Kaczmarek vandalized her own apartment,

there is no evidence of a claim being submitted for damage caused by the

vandalism.

       {¶31} Accordingly, we sustain Kaczmarek’s first assignment of error.

                          Assignments of Error II & III

       {¶32} In light of our decision that the trial court erred when it overruled

Kaczmarek’s motion for acquittal, Kaczmarek’s second and third assignments of

error have been rendered moot, and we decline to address them.              App.R.

12(A)(1)(c).

       {¶33} Having found error prejudicial to Kaczmarek in the particulars

assigned and argued, we reverse the judgment of the trial court and remand this

matter for further proceedings consistent with this opinion.

                                        -15-
Case No. 5-12-32

                                                          Judgment Reversed and
                                                               Cause Remanded

WILLAMOWSKI, J., concurs.

SHAW, J., DISSENTS.

      {¶30} I respectfully dissent from the majority’s opinion for two reasons.

First, I would find that circumstantial evidence is as probative as direct on the

issue of whether Homesite Home Insurance was licensed to do business in the

State of Ohio, and that the State produced a significant amount of circumstantial

evidence regarding that issue. Second, I would find that the State also produced a

significant amount of circumstantial evidence regarding whether Kaczmarek

submitted a fraudulent claim to Homesite.

      {¶31} The majority cites State v. Kirkland, 10th Dist. Franklin No.

97APA07-873 (Apr. 9, 1998), for the proposition that circumstantial evidence is

disfavored in proving whether an insurance company is licensed to do business in

the State of Ohio. In State v. Eggeman, 3d Dist. No. 5-04-07, 2004-Ohio-6495, ¶¶

24-27, we distinguished Kirkland, effectively finding that circumstantial evidence

was as probative as direct on this issue. See Eggeman at ¶¶ 24-27 (wherein we

cited favorably the Twelfth District Court of Appeals decision in State v. Hancock,

No. CA99-05-048, 2000 WL 1336317 (Sept. 18, 2000), which also distinguished

Kirkland and found that circumstantial evidence was as probative as direct on this

                                       -16-
Case No. 5-12-32

issue). I would follow our prior holding in Eggeman, and the Twelfth District’s

decision in Hancock, and find that circumstantial evidence is as probative as direct

evidence on the issue of whether an insurance company is licensed to do business

in the State of Ohio.

       {¶32} In this case, the State produced a significant amount of circumstantial

evidence as to whether Homesite Home Insurance was licensed to do business in

the State of Ohio. Michael Hollar testified that he was an independent insurance

adjuster that had worked on over 500 claims in Ohio on behalf of Homesite. (Tr.

at 290). Hollar testified that Homesite insured homeowners and renters in Ohio,

and that Homesite covered Kaczmarek in this case. (Id. at 291). Hollar also

testified that Homesite had an office in Akron, Ohio. (Id.)

       {¶33} In addition to Hollar’s testimony, Hollar’s report was introduced into

evidence and that report contained a claim number for the “Insured:           Holly

[Kaczmarek],” a policy number, a date of loss, and a location in Findlay Ohio, all

indicating that there was effective coverage for Kaczmarek in Ohio. (State’s Ex.

35). The report also listed the “applicable coverages,” and the effective dates of

the policy. (Id.)

       {¶34} The trial court considered all of this evidence in overruling

Kaczmarek’s Crim.R. 29 motion, and I would find that this evidence is sufficient

                                       -17-
Case No. 5-12-32

for a factfinder to infer and to determine beyond a reasonable doubt that Homesite

was licensed to do business in the State of Ohio.

        {¶35} Next, I also disagree with the majority’s finding that the State

produced insufficient evidence regarding whether a fraudulent claim was

submitted to Homesite. Michael Hollar testified that he worked the “claim” after

being sent a file for a vandalism/theft claim by Homesite. A jury could properly

infer from that fact that a claim was submitted.

        {¶36} Moreover, Detective Myers testified that he spoke with the insurance

company and learned that Kaczmarek received $16,000 from the company. (Tr. at

240). Detective Myers also testified that Kaczmarek herself informed him she had

received $1,000 for her “stolen” jewelry and an undisclosed amount for the

remaining damage. (Id.) In addition, Detective Myers testified that he had a

conversation with Kaczmarek, wherein Kaczmarek informed him that she only

had $3,000 left from the insurance company, which would at the very least allow

the jury to presume Kaczmarek had been paid $3,000 by the insurance company.

(Id.)

        {¶37} All of this testimony points to Kaczmarek being paid from an

insurance claim. It seems entirely logical that if a claim had been worked by an

agent (Hollar), and paid out as Kaczmarek indicated to Detective Myers, that the

claim had been submitted.

                                        -18-
Case No. 5-12-32

       {¶38} While it is unclear whether Kaczmarek vandalized her own

apartment, the evidence seems reasonably clear that if she did not do it herself she

knew about it. Kaczmarek lied to investigators and to her landlord repeatedly and

throughout the investigation. She also purchased the spray paint cans used in the

“vandalism” only 82 minutes before she called 9-1-1 to report the vandalism.

       {¶39} Therefore, I would find that sufficient evidence was introduced for a

jury to conclude that Kaczmarek had submitted a fraudulent claim and was paid

out on that claim.

       {¶40} Accordingly, I would overrule Kaczmarek’s assignment of error and

proceed to address the remaining assignments of error.

/jlr

                                       -19-