When the first shock occurred at 5:15 a. m. most of the population were in bed and many lodging houses collapsed with every occupant. There was no warning of the awful catastrophe. First came a slight shock, followed almost immediately by a second and then the great shock that sent buildings swaying and tumbling. Fire broke out immediately. Every able-bodied man who could be pressed into service was put to work rescuing the victims.
Panic seized most of the people and they rushed frantically about. Toward the ferry building there was a rush of those fleeing to cross the bay. Few carried any effects and some were hardly dressed. The streets were filled immediately with panic-stricken people and the frequently occurring shocks sent them into unreasoning panic. Fires lighted up the sky in every direction in the breaking dawn. In the business district devastation met the eye on every hand.
The area bounded by Washington, Mission and Montgomery streets and extending to the bay front was quickly devastated. That represented the heart of the handsome business section.
The greatest destruction on the first day occurred in that part of the city which was reclaimed from San Francisco Bay. Much of the devastated district was at one time low marshy ground entirely covered by water at high tide. As the city grew it became necessary to fill in many acres of this low ground in order to reach deep water. The Merchants’ Exchange building, a fourteen-story steel structure, was situated on the edge of this reclaimed ground. It had just been completed and the executive offices of the Southern Pacific Company occupied the greater part of the building.
The damage by the earthquake to the residence portion of the city, the finest part of which was on Nob Hill and Pacific Heights, was slight but the fire completely destroyed that section on the following day.
To the westward, on Pacific Heights, were many fine, new residences, but little injury was done to any of them by the quake.
The Palace Hotel, a seven-story building about 300 feet square, was built thirty years ago by the late Senator Sharon, whose estate was in the courts for many years. At the time it was erected the Palace was considered the best equipped hotel in the west.
The offices of the three morning papers, the Chronicle, the Call and the Examiner, were located within 100 feet of each other. The Chronicle, situated at the corner of Market and Kearney streets, was a ten-story steel frame building and was one of the finest buildings of its character put up in San Francisco.
The Spreckels building, in which were located the business office of the Call, was sixteen stories high and very narrow. The editorial rooms, composing room and pressroom were in a small three-story building immediately in the rear of the Spreckels building.
Just across Third street was the home of the Examiner, seven stories high, with a frontage of 100 feet on Market street.