The Travel Air pilot contradicted himself. You either felt a touchdown and then a collapse or you heard metal at touchdown. Also, at least three separate failures would need to happen to get a green light with the gear up. I’m sure insurance and the FAA will figure it out.
“The pilot reported the airplane had been parked outside under a tarp for a year” on the Beech 95. As a retired A&P, who knows in what real condition this aircraft was. From this story it appears to me that the Annual wasn’t particularly thorough to have the landing gear fail. Was swinging the gear part of this inspection?