Where there's smoke . . . . . . there's usually an Insurance Agent hurrying to the scene to assess the damage. When Oliver Branwell is sent to investigate a fire at Lowis Manor he finds that things are not all they seem at first glance - or second. In order to protect the woman he loves, Oliver is forced to side-step the rules. And as the suspense mounts, he discovers he has quite a few enemies - some of them intent on fanning the flames . . .