California Fire and Life

California Fire and Life

4.4 10
by Don Winslow

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Jack Wade, a claims adjuster for California Fire and Life Mutual Insurance Company, is one of the best arson investigators around. He's a man who knows fire, who can read the traces it leaves behind like a roadmap. When he's called in to examine an unusual claim, the tracks of the fire tell him that something's wrong. So wrong that he violates his own cardinal…  See more details below


Jack Wade, a claims adjuster for California Fire and Life Mutual Insurance Company, is one of the best arson investigators around. He's a man who knows fire, who can read the traces it leaves behind like a roadmap. When he's called in to examine an unusual claim, the tracks of the fire tell him that something's wrong. So wrong that he violates his own cardinal rule--"You don't get personal, you don't get emotional. Whatever you do, you don't get involved"--and plunges into the case.

Real estate mogul Nicky Vale's house is one of the most valuable properties on this stretch of the Southern California gold coast--large, luxurious, crammed with antiques, set on a nice piece of land with a perfect ocean view. After a disastrous blaze tears through a wing of the house, it's only normal that Vale would file an insurance claim. But a $3 million claim is rarely normal, especially not when it's filed within hours of the horrific death of the owner's young and beautiful wife. The County Sheriff's Department investigator, Brian "Accidentally" Bentley, has declared the fire, well, accidental--caused by Mrs. Vale's passing out in bed with a bottle of vodka and a lit cigarette--although a careful look at the evidence points to something more sinister.

When Jack begins his investigation, he draws on his skill, experience and sheer stubbornness to uncover the truth of what's going on, but each step leads him further into a situation that's becoming increasingly dangerous. Soon arson is the least of Jack's worries, as the case grows to involve the Russian mob, Vietnamese gangs, real estate scams, counterfeiting and corporate corruption. In addition, Jack's forced to confront his own ghosts, including a fatal professional error, and to cope with the sudden reentry into his life of the best thing that ever happened to him: Letitia del Rio, a Sheriff's deputy whose bombshell looks are exceeded only by her smarts and guts.

As the investigation spins out of control, Jack finds himself pulled so far in that he might not make it out. His outrageous behavior and defiant integrity, usually about as helpful to him as third-degree burns, may now be the only things that will keep the investigation--and Jack himself--from being snuffed out.

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Editorial Reviews

The Barnes & Noble Review
Don Winslow's unusual résumé includes six previous novels (five of which comprise his excellent Neal Carey series, which began in 1991 with A Cool Breeze on the Underground) and 15 years as an insurance investigator specializing in cases of arson. The twin strands of Winslow's career come together with spectacular results in his latest novel, California Fire and Life, an ambitious, compulsively readable account of arson, murder, and organized crime in the corrupt, increasingly decadent society of southern California.

Winslow's hero is Jack Wade, a former Orange County deputy sheriff who was fired after perjuring himself to save the life of a witness in a controversial arson/murder case. Jack's conviction cost him both his job and his relationship with fellow detective Letty Del Rio, and he has spent the intervening 12 years living a radically circumscribed life that revolves around surfing — an almost sacred activity to Jack — and his current job as claims adjuster for the California Fire and Life Insurance Company.

Jack, in his own words, "speaks fluent fire." His ability to read the evidence left behind by even the most devastating fire — to chart its history; to evaluate its nature, point of origin, and probable cause — verges on the mystical. So, when a fire breaks out in a heavily insured Orange County mansion, destroying an entire wing of the building, killing the owner's estranged wife, and incinerating a valuable collection of antique furniture, California Fire and Life sends in its best adjuster, Jack Wade, to determinethefire's cause.

The first thing Jack learns is that, after a perfunctory investigation, the official representative of the Sheriff's Department has turned in a verdict of "accidental fire, accidental death," a ruling that puts California Fire and Life on the hook for a two-million-dollar payment. Jack's own subsequent investigation contradicts that finding. First, he finds traces of accelerant in the charred remnants of the structure. Second, his investigation into the personal life of the beneficiary — a slick, shady Russian émigré named Nicky Vale — reveals a man who is desperately overextended, who is about to lose his home and business, and who, at the time of the "accident," was facing an ugly, potentially ruinous divorce. Third, an eyewitness places Nicky Vale at the scene of the fire, completely contradicting Vale's own version of events. Jack, who believes he has uncovered incontrovertible evidence of arson, denies the claim and sets out to prove that the newly widowed Nicky Vale is a murderer.

This scenario would provide more than enough plot to sustain most suspense novels. In California Fire and Life, however, it is only the beginning, the visible edge of an incredibly complex insurance scam whose roots reach back to the end of Jack's career with the Orange County Sheriff's Department and to the grim realities of a Russian prison where Nicky Vale once spent a harrowing 18 months. Before it reaches its dramatic — and fiery — conclusion, the novel has become a case study in endemic corruption, one that encompasses a diverse cast of ruthless characters from a variety of venues: the FBI, the KGB, the California Bar Association, the Sheriff's Department, the upper echelons of California Fire and Life, the insular world of Vietnamese youth gangs, and the equally insular — and even more violent — world of Russian organized crime.

In addition to its skillful deployment of a complex, constantly shifting story line, California Fire and Life offers something extra: an expert view of the inner workings of an arcane profession. Winslow's years of experience as an insurance investigator lend his novel an enormous degree of authenticity. The result is a painlessly didactic work that educates as it entertains, telling us things that few of us would ever otherwise learn about the real world of insurance companies, about the prevalence — and variety — of insurance fraud, and about the endlessly fascinating subject of fire. Winslow writes with great clarity about fire — its etiology, its physical and chemical causes — without ever really demystifying the subject or minimizing our sense of its primal, Promethean power.

Winslow has come into his own with this book, which no one else could have written, or written as well. California Fire and Life is one of the high points of the summer season: an intelligent page-turner and a perfect example of that rare sort of fiction in which author and subject come together in complete alignment.

Bill Sheehan

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Product Details

Knopf Doubleday Publishing Group
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Random House
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Read an Excerpt


Woman's lying in bed and the bed's on fire.

She doesn't wake up.

Flame licks at her thighs like a lover and she doesn't wake up.

Just down the hill the Pacific pounds on the rocks.

California fire and life.


George Scollins doesn't wake up, either.

Reason for this is that he's lying at the bottom of the stairs with a
broken neck.

It's easy to see how this might have happened--Scollins's little Laguna Canyon house is a freaking mess. Tools, wood, furniture lying all over the place, you can hardly walk across the floor without tripping on something.

In addition to the tools, wood and furniture, you have paint cans, containers of stain, plastic bottles full of turpentine, cleaning rags .
. .

This is also the reason the house is a bonfire.

Not surprising, really.

Not surprising at all.

California fire and life.


Two Vietnamese kids sit in the front of a delivery truck.

The driver, Tommy Do, pulls it off into a parking lot.

"Middle of freaking nowhere," says Tommy's buddy, Vince Tranh.

Tommy doesn't give a shit, he's happy to be getting rid of the load, a
truck full of hot stuff.

Tommy pulls over by a Caddy.

"They love their Caddies," Tranh says to him in Vietnamese.

"Let 'em," Tommy says. Tommy's saving for a Miata. A Miata is cool. Tommy can see himself cruising in a black Miata, wraparound shades on his face, a babe with long black hair beside him.

Yeah, he can see that.

Two guys get out of the Caddy.

One of them's tall. Looks like one of those Afghan hounds, Tommy thinks, except the guy's wearing a dark blue suit that has got to be hot standing out there in the desert. The other guy is shorter, but broad. Guy wears a black Hawaiian print shirt with big flowers all over it, and Tommy thinks he looks like a jerk. Tommy has him tabbed as the leg breaker, and Tommy is going to be glad to get his money, unload and get the fuck back to Garden Grove.

As a general rule, Tommy doesn't like doing business with non-Vietnamese, especially these people.

Except the money this time is too good.

Two grand for a delivery job.

The big guy in the flowered shirt opens a gate and Tommy drives through it. Guy closes the gate behind them.

Tommy and Tranh hop out of the truck.

Blue Suit says, "Unload the truck."

Tommy shakes his head.

"Money first," he says.

Blue Suit says, "Sure."

"Business is business," Tommy says, like he's apologizing for the money-first request. He's trying to be polite.

"Business is business," Blue Suit agrees.

Tommy watches Blue Suit reach into the jacket pocket for his wallet, except Blue Suit takes out a silenced 9mm and puts three bullets in a tight pattern into Tommy's face.

Tranh stands there with this oh-fucking-no look on his face but he doesn't run or anything. Just stands there like frozen, which makes it easy for Blue Suit to put the next three into him.

The guy in the flowered shirt hefts first Tommy, then Tranh, and tosses their bodies into the Dumpster. Pours gasoline all over them then tosses a match in.

"Vietnamese are Buddhists?" he asks Blue Suit.

"I think so."

They're speaking in Russian.

"Don't they cremate their dead?"

Blue Suit shrugs.

An hour later they have the truck unloaded and the contents stored in the cinder block building. Twelve minutes after that, Flower Shirt drives the truck out into the desert and makes it go boom.

California fire and life.


Jack Wade sits on an old Hobie longboard.

Riding swells that refuse to become waves, he's watching a wisp of black smoke rise over the other side of the big rock at Dana Head. Smoke's reaching up into the pale August sky like a Buddhist prayer.

Jack's so into the smoke that he doesn't feel the wave come up behind him like a fat Dick Dale guitar riff. It's a big humping reef break that slams him to the bottom then rolls him. Keeps rolling him and won't let him up--it's like, That's what you get when you don't pay attention, Jack. You get to eat sand and breathe water--and Jack's about out of breath when the wave finally spits him out onto the shore.

He's on all fours, sucking for air, when he hears his beeper go off up on the beach where he left his towel. He scampers up the sand, grabs the beeper and checks the number, although he's already pretty sure who it's going to be.

California Fire and Life.


The woman's dead.

Jack knows this even before he gets to the house because when he calls in it's Goddamn Billy. Six-thirty in the morning and Goddamn Billy's already in the office.

Goddamn Billy tells him there's a fire and a fatality.

Jack hustles up the hundred and twenty steps from Dana Strand Beach to the parking lot, takes a quick shower at the bathhouse then changes into the work clothes he keeps in the backseat of his '66 Mustang. His work clothes consist of a Lands' End white button-down oxford, Lands' End khaki trousers, Lands' End moccasins and an Eddie Bauer tie that Jack keeps preknotted so he can just slip it on like a noose.

Jack hasn't been inside a clothing store in about twelve years.

He owns three ties, five Lands' End white button-down shirts, two pairs of Lands' End khaki trousers, two Lands' End guaranteed-not-to-wrinkle-even-if-you-run-it-through-your-car-engine blue blazers (a
rotation deal: one in the dry cleaners, one on his back) and the one pair of Lands' End moccasins.

Sunday night he does laundry.

Washes the five shirts and two pairs of trousers and hangs them out to unwrinkle. Preknots the three ties and he's ready for the workweek, which means that he's in the water a little before dawn, surfs until 6:30, showers at the beach, changes into his work clothes, loops the tie around his neck, gets into his car, pops in an old Challengers tape and races to the offices of California Fire and Life.

He's been doing this for coming up to twelve years.

Not this morning, though.

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Meet the Author

Don Winslow has worked as a private investigator in London, Amsterdam and various places in the United States, and as an arson investigator in Los Angeles for more than 15 years. He lives in California.

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California Fire and Life 4.4 out of 5 based on 0 ratings. 10 reviews.
KenCady More than 1 year ago
Having started with Don Winslow's current novels, those who loved this one have some really good books in store for them. Don Winslow has honed his craft since California Fire and Life, smoothing out the edges and learning even more of those author tricks that make a great novel. This one is good enough, but I would have eased up on the arson classes. Corruption is a common focus with Winslow. Here he takes us for a look from the outside, later, such as in The Power of the Dog, he takes us right inside, as close as he can get us. So don't stop with this one!
Anonymous More than 1 year ago
Entertaining and authoritative. In addition to believable characters and a brisk plot, you learn fascinating things about the work of fire investigators.
Anonymous More than 1 year ago
Very good read
Lance_Charnes More than 1 year ago
California Fire and Life is the book that comes right after The Death and Life of Bobby Z  in Winslow's oeuvre, toward which I was semi-lukewarm, and is a couple back from The Dawn Patrol , which I liked a bit. In it, Winslow shows the growth curve that eventually landed him with Savages , which is the good news here. Jack Wade isn't quite the archetypical Winslow surfer-slacker semi-hero; he's actually fully employed as a fire claims adjuster with the titular insurance company, and is even good at it, something Winslow usually reserves for his criminals. Wade's assigned to investigate a fire in the mansion of megarich property developer Nicky Vale. The fire not only caused seven figures in damage, but it killed Vale's uber-hot wife. This turns out to be one of those cases that everyone tells Our Hero to not investigate, but he does anyway, and finds out that -- shock horror! -- nothing's as it seems. The things Winslow did well in the other books, he does well here, too. He nails the vibe of late-20th-Century Dana Point and Laguna. The settings are drawn with enough detail for even the most committed flatlander to picture in his/her mind's eye. The dialog is naturalistic and sounds much like what you'd expect coming from characters such as these. The prose is loose-limbed, opinionated, profane, and bursting with color, while not quite as out-there as was Savages. Some of the supporting cast (including Wade's boss and his lost love) are fully-realized characters, something Bobby Z had a problem accomplishing, and the author left out a few of his stock character types, which is also commendable. The bad guys are, as usual, very, very bad, but this time there's a reason for it, unlike in The Dawn Patrol, where they were bad because that's what they were. Even though he's now a working stiff, Wade has the requisite painful, soiled past, complete with lost love. He's not quite as personable as Boone Daniels or Tim Kearney; he's more about competence than charm, which is refreshing. It's interesting to watch him do his very technical thing and use science to tease out the clues to the crime. Fans of forensic procedurals might actually dig this novel. Winslow gives us a fair amount of background in arson investigation (possibly more than strictly necessary) disguised as the saga of Wade going through the academy in his past life. When something breaks right for Wade, it's usually because he earns it, another nice change from Bobby Z. Where'd the fifth star go? When Winslow gives you backstory, he doesn't sprinkle it out with a teaspoon -- you get chapters of backstory, and while it's relatively entertaining to read, it stops the story cold. Wade has a couple of genre-required pointless confrontations with Vale that just make Our Hero look like a dolt. The ending turns into a near-literal Gotterdammerung and a few too many of the plot problems become, shall we say, self-correcting. California Fire and Life isn't a bad way to become acquainted with Winslow, and is perhaps a better start than Bobby Z for established fans to explore the roots of his SoCal/surfer noir works. The arson angle makes for a different sort of crime story, and the words go down like a fresh margarita. If you've read later Winslow and haven't picked up this earlier book yet, get to it.
Anonymous More than 1 year ago
Liked the book, interesting plot. At first I liked all the fire science but it bogged down at times, still very interesting.
Anonymous More than 1 year ago
Anonymous More than 1 year ago
MexicoDan More than 1 year ago
Winslow is a first-rate writer. I am reading my way through all of his books. No disappointments. This one is funny, tragic, well-plotted.
Guest More than 1 year ago
Outstanding story, plot twists abound but don't muddle the story,intriguing characters superbly written. Can't say enough great things about this book!!!
Guest More than 1 year ago
Alomost didn't read this book as the title and cover were not interesting but was I in for a delighful suprise! Twists and turns and just a great read. Passed it on to friends and they were delighted and anxious to see what else he had written.