Michael Gilbert 
Empty House [PDF ebook] 

Dr. Alexander Wolfe, a top genetic scientist — a key figure in British Biological Warfare Research- seemingly plunges over a cliff in his car. His body is never recovered and it emerges his life was recently insured for a considerable sum. Accordingly, Peter Manciple, an insurance loss adjuster from a fairly cautious firm, is sent to investigate. There is romance, possible gang involvement in arson, and a potential job offer in store as Peter sets out to find out if Wolfe is really dead in a most dangerous and complicated mission.