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Division Director

Simon J. Blank

Assistant Director

Timothy J. Cannon

Insurance Fraud
200 East Gaines Street
Tallahassee, FL 32399-0318
Contact Us At:
(850) 413-3115


Panhandle Region Map

The Panhandle Region comprises two field offices and two squads, located in Tallahassee and Pensacola. Both squads investigate a wide variety of crimes involving insurance fraud. The region covers Bay, Calhoun, Escambia, Franklin, Gadsden, Gulf, Holmes, Jackson, Jefferson, Lafayette, Leon, Liberty, Madison, Okaloosa, Santa Rosa, Taylor, Wakulla, Walton, and Washington Counties.

CAPTAIN DAVID LINDSAY - Panhandle Region Commander

Captain David Lindsay has more than 32 years law enforcement experience serving 16 years as a supervisor. He started his career with the St. Petersburg Police Department in 1980 where he served in a variety of capacities retiring in 2005. Dave has served as an adjunct instructor for the St. Petersburg College’s Multi Jurisdictional Counter Drug Task Force Training Center. He has also served as a lead police trainer/mentor training and overseeing the reorganization of the Afghanistan National Police Force. Lindsay earned a Bachelor’s Degree in Criminal Justice from St. Leos University. After joining the Division in 2007, he has served in the St. Petersburg Field Office before relocating to Pensacola in 2010. Lindsay was promoted to captain in November 2012, overseeing the Panhandle Region.


Lieutenant Ernie Stoll began his law enforcement career in 1983 with the Tallahassee Police Department as a uniformed patrol officer. During his tenure, Lt. Stoll worked in a variety of assignments including field training officer, street crimes (narcotics) investigator, canine officer, tactical team member and vice/narcotics investigator assigned to long term multi-agency drug-money laundering investigations.

In 1997, Lt. Stoll was promoted to the rank of sergeant with the Tallahassee Police Department and held supervisory positions in uniformed patrol, vice/narcotics and intelligence, as well as a team leader position in the agency’s special response team.
In 2007, Lt. Stoll was promoted to the rank of lieutenant with the Tallahassee Police Department and was initially assigned to the position of patrol watch commander. Lt. Stoll was later held the position of section commander of the Special Operations Division, overseeing large crowd events, traffic enforcement and the Traffic Homicide Investigation Unit. Lt. Stoll then transferred to a position as section commander of the Criminal Intelligence and Crime Analysis Units. At the same time, he was given command of a newly formed Intelligence Led Policing initiative with a directive to develop, plan and implement crime fighting and crime reduction strategies for the Tallahassee Police Department. Lt. Stoll also served as the commander of the agency’s special response team.

In 2013, Lt. Stoll joined the Division of Insurance Fraud, assigned to the Tallahassee Field Office, responsible for investigating insurance fraud in a multi-county area of north Florida.

Lt. Stoll holds a Bachelor’s of Science degree from Florida State University in Criminology. He enjoys sports and outdoor activities with his family.


Lieutenant Sandra Fitzsimons, Pensacola Field Office

Lieutenant Sandra Fitzsimons leads the Pensacola general fraud squad in the Panhandle Region. She has been with the division for over 14 years and has worked a variety of cases including major healthcare fraud and doctor cases with the Healthcare Task Force.

Lt. Fitzsimons is a career law enforcement officer with over 20 years of experience. Prior to joining the Division of Insurance Fraud, she served six years with the Santa Rosa County Sheriff’s Office. During her career there, she served in uniformed patrol, major crimes division and the SWAT team as a negotiator. In 2000, she began her career with the Department of Financial Services, Division of Insurance Fraud, as a detective assigned to the Pensacola office. She has been presented the prestigious "Bronze Eagle" award four times by the United States Attorney’s Office for her work with the Healthcare Task Force (2009, 2010, and twice in 2011). She also received the national "2009 Investigation of the Year" award from the National Healthcare Anti-Fraud Association. She was also given the "Prudential - Davis Productivity" award in 2011 for Notable Individual Achievements. She has an associate arts degree from Pensacola Junior College and became a certified fraud examiner in 2010.


During the last fiscal year, the Panhandle Region received more than 473 referrals resulting in 175 cases opened, 109 presentations to prosecutors and 92 arrests.
Panhandle Region Case Highlights


Between July 22, 2013 and September 19, 2013, Tyler Anderson operated as a Florida licensed insurance agent for Great Western Insurance Company. Anderson’s business was known as Anderson Capital Insurance and Investments and was located in Tallahassee. Between July and September, Anderson sold 39 life insurance policies for Great Western. This contracted arrangement with Great Western prevented him from collecting commissions for any policies sold to family members. Also this contract required Anderson’s policies to last a year in order for him to keep his commission. However, Anderson disguised family member’s applicant’s identifiers to sell and collect commissions any way. Anderson manipulated policy applicant identifiers directly on 26 policies to sell the policy and collect the commission. This two month scheme included Anderson paying the first month’s premium to establish the policies then he was able to collect $88,449.75 in illegal commissions. Presently 38 of the 39 policies sold have lapsed due to non-payment and the 39th policy lapses within a few days.

The arrest of Anderson was a great example of a cooperative effort between the Tallahassee and St. Petersburg field offices.

Charges included, scheme to defraud,grand theft and 26 counts of insurance fraud.



A Tallahassee Orthopedic Clinic employee received more than $23 thousand dollars in fraudulent health insurance reimbursements when she falsified claims for doctor visits and services that never occurred.

Carol Burns, 40, submitted 18 fraudulent reimbursements on behalf of her and her family dating back to March 2012.

She turned herself in to the Leon County Jail Friday and now faces 56 charges including counterfeit, fraud, forgery and grand theft.

The Florida Department of Financial Services’ Division of Insurance Fraud was tipped off when investigators with Burns’ insurance company, AFLAC, discovered 16 fraudulent claims for services received from Tallahassee Orthopedic Clinic as well as two more for two hospitalizations at Tallahassee Memorial HealthCare.

Burns told investigators she downloaded reimbursement forms from AFLAC’s Website and falsely filled them out using medical information she accessed through her work computer. She was able to use doctors’ stamped signatures on the medical claim forms. AFLAC would then cut reimbursement checks made out to Burns.

Burns told detectives she started making the fraudulent claims because she needed money and continued since it was so “simple. ” She learned how to manipulate the system. Burns’ access to Tallahassee Orthopedic Clinic information gave her an advantage in which she was able to better legitimize her claims. Burns changed, altered and created new patient files despite the fact her job duties did not require her to view patients’ medical records.

Additionally, she also falsified claims for two TMH visits by changing the names and dates on an old TMH bill.

Burns is currently in the Leon County Jail.