Hi Dodgy
Thank you for getting involved.
The following is my understanding of the event and its causes but in true Ashley style I am adding the usual disclaimers that this is just my personal opinion and does not reflect the thoughts of the management no budgies were hurt during the writing of this post.
At the time the members of the investigating committee couldn't reach an agreement about the actual direct cause of the collapse.
Whilst it is true to say that poor workmanship and inferior iron were involved in the construction it is also recorded that the bridge had withstood a couple of similar storms whilst carrying heavier trains without incident.
It is very likely that excessive wind load in conjunction with another un-quantified force brought the structure down but it was considered unlikely that a derailed train moving at slow speed would have been a direct contributor to the collapse
Over the past 50 years there have been a few forensic re-investigations into the cause of the collapse and one of these explored the effect that a point load of a high wave would have on the lower parts of the structure and postulated that a high rogue wave could have impacted the supporting iron work and effectively pulled the legs out from under the rail deck.
This investigation showed that a combination of storm, train and defective build could not have brought the bridge down but when an extra force is applied, such as a wave, then the structure would suffer catastrophic failure in the load bearing columns directly below the train.
Its only a theory but it made interesting reading when I was younger. Of course there is alternative theory that it was sabotage or even impact by a UFO.
Ultimately we will never really know the cause of those 75 deaths.
Paul