A lesbian couple scrawled homophobic abuse on their garage before burning down their own house in Tennessee then calling it a hate crime, a court ruled. Carol Ann and Laura Jean Stutte reduced their own house to a pile of charred rubble in September 2010 and branded their neighbor a homophobe in order to get the $276,000 insurance pay out. But insurers American National Property and Casualty Company caught on to the ruse and accused the couple of faking the fire.