By Tiffany Williams
July 29, 2025 | Boston, MA
A Hopkinton couple has been sentenced in federal court in Boston for orchestrating multiple fraud schemes that targeted workers’ compensation insurers, the Small Business Administration (SBA), and their mortgage lender, federal prosecutors announced.
Ronaldo Solano, 52, was sentenced Monday by U.S. District Court Judge Indira Talwani to one year and one day in prison, followed by two years of supervised release, including six months of home detention. His wife, Adriana Solano, 41, was sentenced on June 23 to time served (one day), followed by 27 months of supervised release, with the first three months under home detention.
The couple was also ordered to pay $1,625,872.03 in joint restitution. Additionally, Ronaldo Solano was ordered to pay another $627,675.88 in restitution individually.
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 one count of conspiracy to commit wire and bank fraud. The Solanos were indicted by a federal grand jury in March 2024.
From approximately 2012 to 2020, Ronaldo Solano operated a roofing and construction business based in Framingham under the names H&R Roofing & Construction Inc. and H&R Roofing & Siding Corp. Prosecutors said Solano, with Adriana’s involvement, avoided more than $627,000 in workers’ compensation insurance premiums by underreporting employee payroll and paying workers through an uninsured third-party company.
In a separate scheme between 2021 and 2022, the Solanos submitted a fraudulent loan application to the SBA under the Economic Injury Disaster Loan (EIDL) Program, a pandemic relief initiative established under the CARES Act. They requested $2 million in aid for H&R Roofing & Siding Corp. and, after receiving the funds, transferred $1 million to their personal bank account.
According to court documents, over $825,000 of the relief funds were used as a down payment on a luxury home in Hopkinton. The Solanos also obtained a $770,500 mortgage to complete the purchase but failed to disclose to the lender that $1 million of their down payment came from the federal relief loan, misrepresenting their financial status during the transaction.
Federal officials said the couple exploited programs designed to protect small businesses and workers during the COVID-19 pandemic for personal gain.