Saturday, August 4, 2012

Metropolitan Survives the San Francisco Earthquake

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Shortly afterward the enterprise established offices on the West Coast more favorable quarters were secured in the fine Hayward Building, known as "the first skyscraper in San Francisco," to which the Head Office moved on January 1, 1902.

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The pioneering work accomplished, Mr. Gaston, who had remained in charge, followed the other officers back to New York. Upon occupation of the new quarters, Thornton R. Richardson, assistant secretary, was made boss of the Pacific Coast Head Office and remained in fee until January 1904, when he was called to other duties at the home office, and was succeeded by assistant secretary Frederick F. Taylor as manager.

The increase of enterprise necessitated additional space, and in 1905 the head office moved to the Wells Fargo building. The records of that year showed a total of approximately ,000,000 of ordinary insurance in force, which includes cheap homeowner insurance and auto insurance. Then there was ,000,000 of market insurance, built up from the ,000,000 acquired from the Pacific Mutual. The enterprise remained in this location until April 18, 1906, the fateful date of the earthquake and fire which were thoroughly to gut the office building and to destroy a large part of its vital records.

The earthquake occurred on Wednesday. For days the fires raged violently, but even before they were brought under control, Mr. Taylor had leased for the enterprise the entire second floor of the Jefferson quadrate building. There, on Saturday, April 21st, a primitive office was opened to pay up on life insurance and give free home insurance quotes, and help set population up with condition insurance.

The following Monday 32, head office clerks and 55 field men reported for duty, and policyholders streamed in for assistance. On Wednesday, April 25th, the first death claim was paid. Just seven days after the earthquake, the Metropolitan's employees had the office in operation. The new quarters did not offer too many conveniences. The space secured for the head office had previously served as a bowling alley and billiard parlor, and there were no desks, chairs, or tables ready in all San Francisco.

The clerks, undismayed by such difficulties as the premise of false floors while they worked, made use of the reverse sides of the bowling score sheets for recording transactions to insure those wanting inexpressive condition insurance and distinct types of life insurance after finding for themselves what could happen to them without warning. They were kept busy every little of the day, for policyholders called continuously to record missing relatives and to bring word of the loss of policies and selected receipt books.

Through the efforts of agents and the office personnel, many families were reunited and vital relief was given. Just two weeks and a day after the earthquake, the head office was thoroughly reestablished with new desks, chairs, typewriters, and printed forms received by express from the home office. The devastating feel had tested the courage and the devotion of the Metropolitan staff and found them ready.

It is acceptable to note that at this time the company, observing the growing importance of the Pacific Coast enterprise decided to add a native representative of the west to its Board of Directors. Therefore, still in that fateful month of April 1906, William H. Crocker, an eminent banker, philanthropist, and civic leader, was invited to serve, and did so with incompatibility for the subsequent 31 years of his life. As one of the leading figures in the rebuilding of San Francisco after the disaster, Crocker commented, some years later, on the prompt response of the Metropolitan to appeals to help reconstruct the shattered city.

He said, "Those of you who were here at the time of our great disaster will remember how wonderfully the enterprise came to our recovery and loaned its money freely in our midst. It thereby gave us needed courage, and ... In large part restored the city so rapidly to its present grandeur." When Mr. Crocker died in 1937, his son, William W. Crocker, was chosen to effect him on the Board of Directors, where he still serves.

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