A café fire. A missing boyfriend. A claim that doesn't quite add up.
Insurance adjuster Jack Adler is sent to investigate a routine fire claim in San Francisco. But what he finds is anything but routine. The café owner, Chloe Hart, is grieving, but something in her story doesn’t track. Her boyfriend vanished just before the blaze. The paperwork is clean, too clean. And someone is watching. Someone is threatening. Then the violence starts. And bodies begin to fall.
Jack's job is to calculate the loss. But he can’t ignore the the unasked questions, the missing file, the silence that feels deliberate. As he digs deeper, he uncovers a trail of hidden ownerships, real estate fraud, and one very dangerous man who doesn’t want the truth getting out.
Jack never meant to play hero. But when the system fails and people start getting hurt, he takes justice personally. Especially when there's a woman caught in the wreckage and no one else on her side.
Because sometimes, behind the smoke, there’s a fire worth fighting.