The owners of a Seattle construction firm are accused of overbilling insurers to the tune of more than $472,000.

James and Cheryl-Lyn Philo face 19 counts of felony theft after bilking insurers through their company, Philo Construction, according to the Seattle Post-Intelligencer.

Prosecutors claim the pair intentionally organized and managed the scheme by directing and supervising employees and hired contractors. Insurance companies targeted were those providing coverage for homes damaged by fallen trees, the report said.

In 2007, a Philo Construction employee reported the company to the Washington Insurance Commissioner’s Office, alleging the Philos were colluding with several subcontractors to overbill companies.

An investigation into the Philo’s business, as well as four subcontractors, found that the construction firm received multiple invoices from each contractor. The company paid the smaller amount while billing insurers for the larger amount, officials said.

Prosecutors allege the Philos made arrangements to “short pay” the subcontractors, agreeing that the subcontractor would be paid less than the invoice noted. The pair is also accused of creating Philo Line Construction Resources, to act as another subcontractor.

The Philos allegedly made an average of 42% profit on 60 jobs involving the four contractors, according to the report.