Reading between these lines, it is hoped there will be found some intimation, some outline, of the character of the men who composed the directors and stockholders of the California Insurance Company, who acted well their part, who fought the good fight and held the faith, whose stern sense of duty and heroic courage led them to lay upon the altar of their idealism the financial sacrifices which they made.
Theirs is the honor achieved. They neither faltered nor hesitated in upholding and protecting their own individual good name, the fair name of the Company nor the integrity of the financial institutions of California, and they, like Bacon "May leave their name and memory to man's charitable speeches, to the next age and foreign nations."
The Spirit of 1906
The California Insurance Company having played one of the leading parts in the reconstruction of San Francisco following the disaster of 1906 and there being no record of its activities, I have, after insistent and repeated requests from directors, stockholders and others, finally yielded to their importunities to preserve for reference my impressions and memories of that most important crisis ever known to fire insurance.
From the time when Nero played the violin accompaniment to the burning of Rome, down, through the ages, to 5:15 a. m., April 18, 1906, and up to the present date, the San Francisco disaster is the most prominent recorded in history. It was the greatest spectacular drama ever staged and produced the biggest heap of the "damn'dest, finest ruins" the world has ever seen.
In transferring the records from the tablets of my memory to the printed page, I am dealing with accurate historical facts of the California Insurance Company together with my own impressions. The facts and figures regarding the Company are incontrovertible. My own impressions are but those which were felt by thousands of other San Franciscans in a greater or lesser or more varying degree. These may be taken as merely the local color, the object being to set forth for enduring vision, the splendid performances of honorably disposed fire insurance companies amongst which none discharged to policyholders the liabilities under their contracts with any greater sense of equity, honor and liberality than did the California Insurance Company.
The Morning of April 18th
In common with the other half million citizens of San Francisco on that fateful morning, I was awakened from a sound sleep by a continuous and violent shaking and oscillation of my bed. I was bewildered, dazed, and only awakened fully when my wife suddenly screamed, "Earthquake!" It was a whopper, bringing with it a ghastly sensation of utter and absolute helplessness and an involuntary prayer that the vibrations might cease. Short as was the period of the earth's rocking, it seemed interminable, and the fear that the end would never come dominated the prayer and brought home with tremendous import the realization of our insignificance, of what mere atoms we become when turned on the wheel of destiny in the midst of such abnormal phenomena of nature's forces.
It was 5:15, broad daylight, and as I glanced at my watch those figures were indelibly fixed in my memory for the rest of my existence. The terror and horror which suddenly sprang like a beast of prey out of the gray dawn and grasped our heart strings, came unheralded from a day that otherwise promised all that should make life worth living. The night had been particularly warm and inviting. So vivid was this impression of the glory of the morning that I was possessed by a feeling of irony that such a beginning should herald the inception of so bitter a calamity. Fascinated, I stood gazing at a weathervane on the top of a house across the street. It swayed to and fro like the light branch of a tree in a heavy gale. I was jarred out of my inanition by a terrific shock. The house lurched and trembled and I felt that now was the end. It was afterward discovered that this crash and jar was caused by the falling of a heavy outside chimney, attached to the adjoining house. It had broken and struck our dwelling at about the first floor level and torn away about twenty feet of the sheathing, some of the studding and left a big hole through which the dust and sound poured in volumes, adding to the already almost unbearable confusion.
The first natural impulse of a human being in an earthquake is to get out into the open, and as I and those who were with me were at that particular moment decidedly human in both mold and temperament, we dressed hastily and joined the group of excited neighbors gathered on the street. Pale faced, nervous and excited, we chattered like daws until the next happening intervened, which was the approach of a man on horseback who shouted as he "Revere-d" past us the startling news that numerous fires had started in various parts of the city, that the Spring Valley Water Company's feed main had been broken by the quake, that there was no water and that the city was doomed.