As the chief of police in a small Florida community, Matt Lee Whitlock (Washington) has an easy life. Separated from his ambitious wife, Alex (Eva Mendes), who takes her career as a homicide detective as seriously as her husband takes his fishing, Whitlock is engaged in an affair with a married woman, Ann Harrison (Sanaa Lathan), whose husband regularly beats her. When a fire rips through Harrison's house, leaving two charred corpses just days after Ann has named Whitlock as the beneficiary of an inflated life insurance policy, suspicion falls on the police chief.