 In 1895, "Germanic" underwent a major refit, during which a larger triple-expansion steam engine was installed, and the rigging was removed.On 13 February 1899, while being coaled at White Star's New York City pier, a blizzard blanketed her decks with a heavy layer of snow.Now top heavy, she listed to port so much that water began to enter doors opened for coaling, and "Germanic" settled on to the shallow harbour bottom.