adjusters came to Miami. A bureau was established at the Columbus Hotel, and the adjusters were organized as follows:
Organization Committee: Secretary, H. G. Foard, of the Home of New York, chairman; Vice-President, A. R. Phillips, of the Great American, New York; Southern Deputy Manager, R. H. Colcock, Jr., of the Liverpool & London & Globe, New Orleans; Southern Manager R. B. Barnett of the Fire Association, Atlanta; General Adjuster Guy F. Elliott of the Travelers Fire of Hartford.
Steering Committee: General Manager E. P. Roberts of the Southern Adjustment Bureau, Atlanta, chairman; General Agent George W. Mills of Jacksonville; General Adjuster J. O. Dye of the Great American, New York; Assistant General Agent H. J. Hopkins of the Hartford Fire, Atlanta; B. K. Clapp of Clapp, Stenger & Co., independent adjusters, Atlanta; J. T. Dargan, Jr., of Windle, Burlingame & Dargan, independent adjusters, New York; Harry S. Gardner, adjuster, Home of New York.
Mr. Daniels told me that the Miami storm was the most unique in the history of disasters in which insurance played a part for the reason that every claim would have to be individually adjusted, and in view of the fact that more than 6,000 claims already had been filed the figures he gave me would be good for at least a year succeeding the hurricane. More than 150 companies had accepted liability insurance in the Miami district. The Hartford led the list with $4,227,950 and approximately 600 claims; the Globe and Rutgers was second with $3,957,000 with only 69 claims, an average policy valuation of $55,000. The Aetna group bore $1,995,000 of the liability while other heavily involved companies were the City of New York, Concordia, Fire Association, Fireman's Fund, Milwaukee, Mechanics and North River, each with liabilities of more than a million. Mr. Daniels estimated that the storm insurance policies would bring from $10,000,000 to $13,000,000 into the Miami district, which will assist materially in the work of rehabilitation. The number of death and accident claims was negligible. Evidently those who were killed and injured did not, as a rule, carry insurance.
It is estimated that 20,000 families are subject for relief as provided by Red Cross. In a statement issued October 7, Henry M. Baker, director of relief work, stated that with the emergency relief period officially closed the organization would begin the task of giving individual consideration to the needs of every family, and making awards from the relief fund for permanent rehabilitation.
"The need of the family will guide the relief workers in
