"Rick Wendell wouldn't hurt a flea. The big, jovial owner of the Hang Ten, a surfing-themed gay bay on the boardwalk, was loved by regulars and new arrivals alike. But Rick was found naked and dead, with a local hustler named Larry Johns standing over him, smoking gun in hand. Wendell's death is ruled as a homicide and Johns is arrested. Everyone thinks it's a simple open-and-shut case. Everyone except the death claims investigator, Dave Brandstetter....

Dave Brandstetter, a California private investigator specializing in death claims, uncovers a toxic conspiracy while working a case in a neighborhood plagued by violence and inequality. Gifford Gardens has seen better days. As white families move away to the suburbs to flee the flooding and neglect, the city in turn cares less about fixing the problems. What was once a nice neighborhood has become a slum and a violent battleground for rival gangs....