Submitted by the Staff
GAINESVILLE, Fla. – At 50 years old, real estate broker Niya Curinton Dix finds herself entangled with the law, having been recently detained at the Alachua County Jail. Dix faces five felony charges, centered around accusations of submitting a fraudulent insurance claim.
According to an official complaint from the Florida Department of Financial Services, Dix is accused of filing a dubious property loss claim with Florida Farm Bureau in September 2024. The claim involved damages to her pool’s lighting system. Reportedly, she provided a statement from a pool company indicating prolonged water damage to the lights. Based on this report, the Farm Bureau rejected the claim, citing that the damage seemed unrelated to any storm activity.
Fast forward to December 2025, Dix again purportedly filed for damages to the pool lighting, this time asserting that lightning had wreaked havoc on the electrical components, including the pool light breaker and computer board. Supporting her claim, she submitted an affidavit under the name Before and After Projects, accompanied by another quotation from the pool company. This quote differed from its predecessor, featuring only a “completion notes” section and missing the prior letterhead. Additionally, the claim bundled an invoice dated October 2025, tallying a $13,381 quote for pending work, alongside an Envisio Partners invoice itemizing the same services at an estimated cost of $12,558.
The situation began escalating on February 4, 2026, when the Department of Financial Services (DFS) was tipped off by Dix’s ex-husband. He had come across a letter from Florida Farm Bureau regarding the December claim. Curiously, upon contacting the Bureau, he learned that the claim purported to involve 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.