The 1906 earthquake caused severe damage to many homes and businesses. Many were covered by insurance policies. Most insurance policies will cover damage from fire but most will not cover an “act of God” (such as earthquake, hurricane or flood) unless special coverage has been purchased. Most homes and businesses in San Francisco did not have this special coverage.
You are in the role of an insurance adjuster for a major insurance company. It is your job to decide if the damage to the home or business was caused by earthquake or by fire. If it is fire damage, your company must pay the claim. If the damage was from the earthquake, you may refuse the claim.
You have three pages of photograph examinations to fill out. Your teacher will provide you with these pages.
Go to the learncalifornia.org web site and click on students, then student lessons then 1906 San Francisco Earthquake.
1. Look at the photo of the building on Howard Street. Use information from the photo to fill out your form.
2. Do the same for the building circled in San Francisco Before the Earthquake. In the second picture, After Earthquake-During Fire, you will be looking at the same building after the earthquake as the fire started. The third picture was taken four days later. After looking at these three pictures, fill out the form and decide if there is coverage.
3. Look at the Call Building Burning photo then Call Building Ruins. Fill out the form for them and decide if there is coverage. (The Call building survived, was remodeled and is now called the Central Towers.)
Return to Teacher: 1906 San Francisco Earthquake Offline Lesson Plan
Return to Teacher: 1906 San Francisco Earthquake Online Lesson Plan