Local real estate broker arrested for insurance fraud

Staff report

GAINESVILLE, Fla. – Niya Curinton Dix, 50, a local real estate broker, was booked into the Alachua County Jail today and charged with five felonies related to allegedly filing a fraudulent insurance claim.

The sworn complaint from the Florida Department of Financial Services alleges that in September 2024, Dix filed a property loss claim to Florida Farm Bureau for damage to the lights in her pool. As part of the claim, Dix reportedly submitted a quote from a pool company that said several of the lights had been flooded for a long time, so Florida Farm Bureau denied the claim, stating that the damage did not appear to be storm-related.

In December 2025, Dix allegedly filed a second claim for damage to the pool lights; the claim stated that “lightning strikes hit the breaker to the pool lights and the pump [which] fried the computer board.” Dix allegedly submitted an affidavit that used the name Before and After Projects, and she reportedly provided a quote from the same pool company. However, this quote from the pool company did not show any estimated prices; it only had a “completion notes” section and did not have the same letterhead as the previous quote from the same company. The claim also allegedly included an invoice from the pool company from October 2025 with a quote for $13,381 in work to be completed, along with an invoice from Envisio Partners for the same items, with an estimated price of $12,558.

On February 4, 2026, the Department of Financial Services (DFS) received a tip from Dix’s ex-husband that Dix was submitting fraudulent insurance claims after her ex-husband received a letter from Florida Farm Bureau about the December 2025 claim; her ex-husband said he had contacted Florida Farm Bureau and had been told the claim was for lightning damage.

Florida Farm Bureau reportedly told Dix’s ex-husband that payment for the claim had been issued to him, Niya Dix, and the mortgage company; however, when he examined the documents provided by Florida Farm Bureau, he realized that the pool repair estimates were identical to a 2024 quote, and he also knew he had not endorsed any check from Florida Farm Bureau. Dix’s ex-husband also reportedly told DFS that he knew the repairs to the pool had not been completed.

A DFS investigator spoke with the pool company, and a representative said the estimate and invoice that Niya Dix provided with the December 2025 claim had been altered; the representative said the pool company does not do permit and electrical panel replacements, which were both reportedly included in the document provided to Florida Farm Bureau. The representative also said the price of the lights on the claim documents was higher than the actual price and that those lights were known to be damaged since at least August 2024.

The pool company representative reportedly said Niya Dix had requested a quote for a leak detection dye test and hydraulic cement repair, and that quote appeared to have been copied and placed onto the invoice provided to Florida Farm Bureau, with the price changed from $1,225 to $13,381.

The investigator also reportedly examined the documents from the 2024 claim and found discrepancies between the documents provided by the pool company and the documents submitted by Niya Dix to Florida Farm Bureau.

The investigator sent a subpoena to Envisio Partners, which was found to provide strategic planning and performance management services, not pool repairs; the investigator reported that the company did not respond to the subpoena.

The investigator contacted the owner of Before and After Projects and reported that he said the services listed on the document were not performed by his company, the contact number and signature did not belong to anyone at the company, and he considered the affidavit to be fraudulent.

Florida Farm Bureau reportedly said the December 2025 claim was paid electronically into an account that was found to be solely owned by Niya Dix.

Dix has been charged with insurance fraud under $20,000, two counts of forgery, using the identity of another person/company, and unlawful use of a two-way communications device.

Dix is also facing a sworn complaint for allegedly commingling funds belonging to multiple tenants of Gainesville Housing Authority properties, with charges of theft under $50,000 from a person over the age of 65, fraud, and forgery; no warrant has been issued in that case, and she has not been booked on those charges.

Dix has no recent criminal convictions, but according to a court document, adjudication of guilt was withheld in 2000 for petit theft and in 2002 for grand theft; the document also shows 14 worthless check convictions, all more than 20 years old. A sworn complaint was filed in 2023, alleging that she drove a vehicle toward a woman after threatening to hit her with the vehicle, but the charges were eventually dropped.

According to the Department of Business & Professional Regulation’s licensing portal, Dix has an active Real Estate Broker license and an application in progress for a Construction Financial Officer license.

Judge Susanne Wilson Bullard set bail at $25,000 in the warrant, and Dix has been released from the jail.

Articles about arrests are based on reports from law enforcement agencies. The charges listed are taken from the arrest report and/or court records and are only accusations. All suspects are innocent until proven guilty in a court of law.