RHOP’S Dr. Wendy and Husband Arrested for Insurance Fraud

STATE OF MARYLAND VS. WENDY O. OSEFO
MEMORANDUM IN SUPPORT OF STATE’S POSITION AT DEFENDANT’S BAIL REVIEW

Now comes the State of Maryland, by and through its attorney, Melissa O. Hockensmith, Deputy State’s Attorney for Carroll County and states the following:

On Thursday, October 9, 2025, the Defendant was indicted by the Grand Jury for Carroll County on 7 counts of Insurance Fraud, 8 counts of Conspiracy Insurance Fraud, and 1 count of False Statement to a Police Officer. An arrest warrant was issued, and bail was set at $50,000.

The allegations in this case are that on April 7, 2024, Carroll County Sheriff’s Office deputies, responded to [redacted], Finksburg, in Carroll County, Maryland for a call of a reported burglary. A deputy was met by the homeowners, Edward and Wendy Osefo who reported to him that they had left to go on a trip to Jamaica on April 2, 2024, and when they returned on April 7, 2024, at approximately 10:00 PM, they found their bedroom and both closets to be ransacked, and several designer handbags and jewelry had been stolen.

The State’s evidence would show the purported point of entry into the home to be the owner’s bathroom window on the second floor. The window looks onto a small roof that was about 9 feet above the deck. There were no ladders, and the deck furniture was undisturbed and no indication anyone had been on the deck. The Osefos stated they did not touch anything prior to police arrival. There was a screen with damage laying on the roof, and the window was not locked. To go in or out of that window, one has to step on the toilet. The toilet lid was down and had no debris on it. When Sheriff’s office personnel stepped onto the roof and back into the home, they tracked roof “grit” back inside. The Osefos had an ADT system and a ring camera. The Osefos activated the ADT alarm system upon leaving for vacation. During the time they were away there was no motion detected inside the residence. There was activity, such as package deliveries, on the ring camera that was monitored remotely by the Osefos.

Investigation determined that on April 8, 2024, the Osefos initiated three separate insurance claims for the burglary and theft, Travelers Insurance, Jewelers Mutual Insurance and Homesite Insurance Company, for the alleged losses suffered while they were away. Edward Osefo gave recorded statements to two of the insurance companies regarding a list of stolen items he provided. He was asked whether any of the items on the list had been returned, which he denied. He was asked if he had other insurance but failed to disclose to Homesite and Jewelers that he was also making a claim with Travelers Insurance.

For Homesite, both Edward and Wendy Osefo signed a sworn statement of loss, which was notarized. The total amount of loss claimed on the Sworn Statement of Loss was $2,500.00 for the building and $450,000.00 estimated for contents/personal property. He included an inventory of reported stolen items, along with receipts for the purchase of most of the items on the inventory. That claim was denied due to the failure to disclose the policy with Travelers Insurance.

In the original claim submitted on April 8, 2024, to Travelers, Edward confirmed that he and his wife were wearing their anniversary bands when the loss occurred, however, Edward called Travelers Insurance on April 10, 2024, and said he needed to update their claim stating his wife’s gold diamond anniversary band was missing. That same day Travelers Insurance settled the claim for $25,380.00 which included the replacement price of the band ($4,500).

After the initial reported claim, on April 11, 2024, both Wendy and Edward signed and submitted letters to Jewelers Mutual Insurance claiming the burglary occurred and items were reported stolen. At the request of Jewelers Mutual Insurance, the Osefos provided an initial list of 57 stolen items. Included on the list was Wendy’s gold diamond anniversary band that was reported in the Travelers Insurance claim. On April 22, 2024, Edward was interviewed on a recorded call and did not make any mention of the jewelry claim or payout with Travelers.

Deputies were suspicious of the circumstances of the burglary and records from stores where some of the items were purchased, along with social media and email accounts. Investigation determined that numerous items that the Osefos claimed were stolen had been purchased then returned to the store where a full refund was provided prior to the alleged burglary. These items were valued in excess of $20,000. For example, there was a Dior Shirt that was listed as stolen valued at $$$1,450, but the shirt was returned on January 14, 2023, for a refund, and a Gucci leather wallet that was purchased in 2018 and returned two weeks later for a refund of $$$948.70.

Additionally, while reviewing the social media Instagram account for Wendy Osefo, deputies observed photos of Wendy prior to the burglary wearing a diamond anniversary band on her left finger. This ring was reported stolen in the burglary.

Then, after the reported burglary, on April 27, 2024, Wendy Osefo is wearing the same ring on her left finger. The ring features multiple rows of diamonds and has a V-shape on the side that separates where the rows of diamonds begin. That ring had been photographed prior to the burglary for an appraisal and matches the photo of the ring on April 27, 2024.

Deputies obtained email records for the Osefos. On April 12, 2024, Edward emailed the list of reportedly stolen items to Wendy. The email asked if there were “additional high-value items we can add to this inventory listing (i.e., Chanel shoes, etc.)? I’m trying to get the total to exceed $$$423,000 which is our policy maximum.”

op note: say it, forget it. write it, regret it.

At the time of their arrest, a search and seizure warrant was executed for the Osefo’s home, and deputies found at least 15 items that appear to be the same ones claimed stolen during the alleged burglary.

Investigation revealed the Osefos to be burdened by substantial debt.

Edward and Wendy conspired to make fraudulent statements and provided misleading information in support of making the 3 insurance claims for financial gain.

WHEREFORE, the State respectfully requests the bail remain the same ($50,000).

TL;DR

– Wendy and Eddy reported a burglary after returning from vacation.

– Police officers at the scene reported a potential break-in, but after following the alleged burglar(s) method of entry, noted with suspicion that there were no dirt marks in the house, as their own shoes tracked dirt into the house

– Eddy sent Wendy a list of the stolen items. Wendy then replied asking if there were any more high value items they could add to the list, following up with, “I’m trying to get the total to exceed $423,000 which is our policy maximum.”