Marine surveyor Josie Taylor performs a routine inspection on a local tycoon's racing yacht, and declares it fit to sail. When the yacht sinks soon afterwards, taking its wealthy owner with it, Josie finds herself treading in troubled waters. Is she responsible for the man's fate, and worse, is she doomed to share it? Josie reluctantly teams up with insurance investigator Ken Harris to uncover the truth about the accident. Romance flares even as evidence of sabotage mounts against Josie and her father. She and Ken must ultimately unite to discover the true culprit, a man as relentless as the midnight waves crashing on the Nova Scotia shore. Josie must search the sea for answers, but the sea can be deadly when there is death in the wind.