The Lights of Sand Island

From publisher blurb:

There have always been wrecks. That’s why we have lights.

There have been a series of ships run aground on Sand Island. Survivors all say the same thing - that they saw the lights for Duluth Harbor and steered for them, only to realize too late they were terribly off course, usually just before the ship hits the rocks. It’s costing small fortunes and many sailors now don’t want to go out. The rumors that there are wreckers — but who benefits if they are? Or, is it some kind of haunting?