A couple from Hopkinton, Massachusetts, has been sentenced in federal court for their roles in multiple fraud schemes targeting workers’ compensation insurance carriers, the Small Business Administration (SBA), and a mortgage lender.
Ronaldo Solano, 52, received a sentence of one year and one day in prison followed by two years of supervised release, with the first six months to be served under home detention. Adriana Solano, 41, was sentenced to time served (one day) and will serve 27 months of supervised release, including three months on home detention. The pair were ordered to pay $1,625,872.03 jointly in restitution. Additionally, Ronaldo Solano must pay an extra $627,675.88 in restitution.
In January 2025, Ronaldo Solano pleaded guilty to conspiracy to commit mail and wire fraud, conspiracy to commit wire and bank fraud, mail fraud, and wire fraud. Adriana Solano pleaded guilty to conspiracy to commit wire and bank fraud. Both were indicted by a federal grand jury in March 2024.
From approximately 2012 through 2020, Ronaldo Solano operated H&R Roofing & Construction Inc. and H&R Roofing & Siding Corp., both based in Framingham. Along with his wife Adriana Solano, he avoided over $627,000 in workers’ compensation insurance premiums by underreporting payroll and paying employees through an uninsured third company.
Between 2021 and 2022, the couple submitted a loan application for H&R Roofing & Siding Corp. under the Economic Injury Disaster Loan (EIDL) Program established by the CARES Act. They requested $2 million for working capital and other eligible business expenses but transferred $1 million of those funds into their personal account after receiving them. More than $825,000 was used as a down payment on a luxury home in Hopkinton. The couple also borrowed $770,500 from a mortgage lender without disclosing that they were using EIDL funds for part of the down payment or claiming it as an asset.
United States Attorney Leah B. Foley; Ted E. Docks of the FBI’s Boston Division; and Christopher Algieri from the U.S. Department of Veterans Affairs Office of Inspector General announced these sentences Friday. The Insurance Fraud Bureau of Massachusetts assisted with the investigation.
Assistant U.S. Attorney Kristen A. Kearney prosecuted the case.
The CARES Act was enacted on March 29, 2020 to provide emergency financial support during the COVID-19 pandemic via programs such as EIDL loans intended strictly for specific business expenses like payroll or fixed debts rather than personal purchases or investments (https://www.justice.gov/coronavirus).
The Department of Justice created the COVID-19 Fraud Enforcement Task Force on May 17, 2021 to coordinate efforts against pandemic-related fraud across agencies by sharing resources and information gained from previous investigations (https://www.justice.gov/coronavirus).
This case was also investigated alongside the Pandemic Response Accountability Committee (PRAC) Fraud Task Force which promotes oversight over COVID-19 relief funds—over $5 trillion authorized—and supports law enforcement using advanced data analytics technologies.
Reports about suspected COVID-19 relief fund fraud can be made through the National Center for Disaster Fraud Hotline at 866-720-5721 or online at https://www.justice.gov/disaster-fraud/ncdf-disaster-complaint-form.
“United States Attorney Leah B. Foley; Ted E. Docks, Special Agent in Charge of the Federal Bureau of Investigation, Boston Division; and Christopher Algieri, Special Agent in Charge of the Northeast Field Office of the U.S. Department of Veterans Affairs Office of Inspector General made the announcement today.”
