A Florida City couple’s claim that unattended tortillas sparked a kitchen fire went up in smoke after Citizens Insurance investigated their hefty insurance claim, authorities say.

The board overseeing Florida’s publicly-owned insurer of last resort unanimously voted to approve a double-digit rate hike Wednesday morning.

Authorities arrested two licensed insurance adjusters, one unlicensed insurance adjuster and a mold contractor on multiple felony charges after investigators said they worked together to defraud a 94-year-old Miami Gardens woman and Citizens Insurance.

One of Florida’s largest home insurers is exiting the market, leaving thousands of homeowners scrambling to find new coverage as options continue to dwindle in the Sunshine State.