In a picturesque city on the shores of Michigan, a series of mysterious murders has an unlikely but common thread - Bryan Spikes, a hired insurance fraud investigator who gets more than a paycheck when he is inexplicably killed and then framed for the crimes. One year later, Alex Forrester arrives in the city claiming to be a writer researching the case.
But as he begins uncovering the shocking truth behind the murders, his informants turn up dead, and he soon learns he may be next. It seems there is no-one he can trust; including Bryan's ex-girlfriend Heather and a new overly-friendly ex-sharpshooter neighbor. The deeper he digs, the more his life, and Heather's, is in danger.