Proof of Loss
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Proof of Loss
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Lu par :
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Tom Merrill
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De :
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Riley Chase
Arthur Pendelton receives an email confirming his death.
Not a mistake. Not a warning.
A finalized insurance payout.
Five million dollars. Already claimed.
By his wife.
Ten years earlier, a storm swallowed his sailboat without a trace. No body was ever found, but the system moved on—death certificate issued, claim processed, case closed.
Now Arthur is alive. And according to every official record, he shouldn’t be.
As he retraces the events of that night, he uncovers a second sailboat that was never reported, a business partner who vanished, and a financial structure designed to erase people as cleanly as paperwork allows.
The deeper he goes, the clearer the truth becomes:
The storm didn’t kill him.
It covered something up.
And the most dangerous part isn’t what happened that night—It’s why someone needed him gone.
Proof of Loss is a tightly constructed psychological thriller about identity, deception, and the systems that decide who exists—and who doesn’t.
©2026 Riley Chase (P)2026 Riley Chase