I am very sorry to hear this;
yes, if a person insures property that is not theirs, that is insurance fraud. Normally the insurance company is the one that will pursue claims for fraud (ie such as return of money paid). It is also fraud to represent one is the owner of something when they do not in fact own the property.
The true owners are free to obtain their own insurance using the deed as proof of ownership; they can also bring a quiet title action against the person claiming ownership along with a request for an injunction barring this person from making such representations. The court can impose fines, even attorney fees, as a result of violating an injunction. If it is a willful and knowing violation they can also order jail time.
According to CCP 338(d), the time frame for bringing suit for fraud is 3 years from the date the person should have discovered the fraud.
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Information provided is for educational purposes only. Consultation with a personal attorney is always recommended so your particular facts may be considered. Thank you and take care.