{"id":892364,"date":"2017-06-21T14:39:00","date_gmt":"2017-06-21T20:39:00","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=892364"},"modified":"2017-06-21T15:13:13","modified_gmt":"2017-06-21T21:13:13","slug":"depreciation-labor-costs-determining-actual-cash-value-henn-v-american-family","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/depreciation-labor-costs-determining-actual-cash-value-henn-v-american-family\/","title":{"rendered":"Depreciation of Labor Costs When Determining Actual Cash Value: Henn v. American Family"},"content":{"rendered":"<p>Alycen A. Moss | <a href=\"http:\/\/propertyinsurancelawobserver.com\/2017\/06\/20\/depreciation-of-labor-costs-when-determining-actual-cash-value-henn-v-american-family\/\" target=\"_blank\">Property Insurance Law Observer<\/a> | June 20, 2017<\/p>\n<p>In February, the Nebraska Supreme Court held that it is acceptable for insurance companies to depreciate labor costs when determining the actual cash value (ACV) of damaged property, even when the insurance policy does not define \u201cactual cash value\u201d or \u201cdepreciation.\u201d\u00a0<em>See Henn v. American Family Mutual Insurance<\/em>\u00a0<em>Co.,\u00a0<\/em>295 Neb. 859 (Neb. 2017). Writing for the Nebraska Supreme Court, Chief Justice Michael Heavican concluded that all relevant facts and evidence should be used to calculate ACV, and both materials and labor constitute relevant facts to consider when establishing the value of property prior to the loss.<\/p>\n<p>The case dates back to a September 2011 dispute when Rosemary Henn filed a homeowner\u2019s claim with American Family due to damage to her home\u2019s roof vent caps, gutters, siding, fascia, screens, deck, and air-conditioning unit during a hailstorm on August 18, 2011. American Family determined that Henn\u2019s insurance policy covered the damaged property.<\/p>\n<p>American Family\u2019s policy provided that, following a covered loss, an insured may recover \u201cthe cost to repair the damaged portion or replace the damaged building, provided repairs to the damaged portion or replacement of the damaged building are completed,\u201d or \u201c[i]f at the time of loss, \u2026 the building is not repaired or replaced, [American Family] will pay the actual cash value at the time of loss of the damaged portion of the building up to the limit applying to the building.\u201d \u00a0Under both options, the insured would first receive an actual cash value payment.\u00a0 The policy, however, did not define \u201cactual cash value\u201d or \u201cdepreciation.\u201d The policy also did not describe the methods employed to calculate \u201cactual cash value\u201d or explain how American Family determined the difference between replacement cost value and ACV.<span id=\"more-1485\"><\/span><\/p>\n<p>After inspecting the storm damage, American Family paid Henn the ACV for the damaged property and provided Henn with a written estimate that explained the calculations for replacement cost value, actual cash value, and depreciation. \u00a0The estimate defined \u201cactual cash value\u201d to be \u201cbased on the cost to repair or replace the damaged item with an item of like kind and quality, less depreciation.\u201d The estimate further stated \u201creplacement cost\u201d was the \u201ccost to repair the damaged item with an item of like kind and quality, without deduction for depreciation.\u201d In the estimate, American Family\u2019s adjuster determined the cost to repair and replace the damaged portions of Henn\u2019s home, and it subtracted depreciation of both the materials\u00a0<em>and\u00a0<\/em>labor. The estimate did not specify which portion of depreciation derived from materials and which portion derived from labor.<\/p>\n<p>Henn did not make a claim for payment of replacement costs, but instead, filed a lawsuit in Nebraska state court. \u00a0American Family removed the case to the U.S. District Court for the District of Nebraska on diversity grounds, and filed a motion for summary judgment. The District Court held the motion in abeyance until the Nebraska Supreme Court could answer the following certified question: \u201cMay an insurer, in determining the \u2018actual cash value\u2019 of a covered loss, depreciate the cost of labor when the terms \u2018actual cash value\u2019 and \u2018depreciation\u2019 are not defined in the policy and the policy does not explicitly state that labor costs will be depreciated?\u201d<\/p>\n<p>The Nebraska Supreme Court looked to other jurisdictions for clarity on the proper calculation of ACV, primarily the Oklahoma Supreme Court\u2019s split decision in\u00a0<em>Recorn v. State Farm<\/em>, 55 P.3d 1017 (Okla. 2002). In\u00a0<em>Recorn<\/em>, the majority reasoned that depreciation of labor logically factored into the ACV determination because a building is a product of both labor and materials. The dissent argued that labor, like all services, does not logically depreciate, and that a roof, for example, is not an integrated product, but a combination of a product (shingles) and a service (labor to install). Other states discussed\u00a0<em>Recorn\u00a0<\/em>at length. The Supreme Court of Arkansas and the U.S. District Court for the Eastern District of Kentucky sided with\u00a0<em>Recorn<\/em>\u2019s dissent, arguing that labor does not logically depreciate. However, the U.S. District Court for the Western District of Pennsylvania and the Florida District Court of Appeals sided with\u00a0<em>Recorn<\/em>\u2019s majority. Furthermore, in\u00a0<em>Travelers Indem. Co. v. Armstrong<\/em>, 442 N.E.2d 349 (Ind. 1982), the Indiana Supreme Court described the broad evidence rule as a \u201cflexible approach\u201d accounting for \u201cevery fact and circumstance which would logically tend to a formation of a correct estimate of the loss.\u201d<\/p>\n<p>Armed with case law from within and outside of the court\u2019s jurisdiction, the Nebraska Supreme Court ruled that ACV unambiguously includes labor depreciation under the broad evidence rule because both materials and labor constitute relevant facts to consider when establishing the value of property prior to the loss. The Court reasoned that ACV is not a measure of damages, but rather, it is only intended to provide a depreciated amount of the replacement costs to\u00a0<em>start the repairs<\/em>.<\/p>\n<p>Yet, as the case law discussed in\u00a0<em>Henn<\/em>\u00a0demonstrates, different states take different approaches to this issue. For example, in a 2015 case from Arkansas,\u00a0<em>Shelter Mutual Ins. Co. v. Goodner<\/em>, 477 S.W.3d 512 (Ark. 2015), held that labor cannot depreciate: \u201cThe shingles are of course logically depreciable. As they age, they certainly lose value due to wear and tear\u2026. Labor, on the other hand, is not logically depreciable. Does labor lose value due to wear and tear? Does labor lose value over time? What is the typical depreciable life of labor? Is there a statistical table that delineates how labor loses value over time? I think the logical answers are no, no, it is not depreciable, and no. The very idea of depreciating the value of labor is illogical\u2026\u201d<\/p>\n<p>So, when dealing with calculation of ACV, we must be aware of our jurisdiction. Different states have come to different conclusions on the issue, with no obvious answer as to why a state chooses one policy over the other. When paying ACV, an insurer must be aware of whether the state allows labor depreciation in the calculation, lest an insurer faces litigation like American Family. This is an issue to watch for the future, as states will likely produce more case law on the calculation of ACV in coming years.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Alycen A. Moss | Property Insurance Law Observer | June 20, 2017 In February, the Nebraska Supreme Court held that it is acceptable for insurance companies to depreciate labor costs when determining the actual cash value (ACV) of damaged property, even when the insurance policy does not define \u201cactual cash value\u201d or \u201cdepreciation.\u201d\u00a0See Henn v.&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/depreciation-labor-costs-determining-actual-cash-value-henn-v-american-family\/\">Continue reading <span class=\"screen-reader-text\">Depreciation of Labor Costs When Determining Actual Cash Value: Henn v. American Family<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":true,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[3,9721],"tags":[6601,9895,6600,8916,3,9806],"class_list":["post-892364","post","type-post","status-publish","format-standard","hentry","category-insurance-claims","category-property-damage","tag-actual-cash-value","tag-advise-consult","tag-depreciation","tag-depreciation-of-labor","tag-insurance-claims","tag-replacement-cost-value","entry"],"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Depreciation of Labor Costs When Determining Actual Cash Value: Henn v. American Family - Advise &amp; Consult, Inc.<\/title>\n<meta name=\"description\" content=\"NE Supreme Court held that it is acceptable for insurance companies to depreciate labor costs when determining the actual cash value of damaged property\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/depreciation-labor-costs-determining-actual-cash-value-henn-v-american-family\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Depreciation of Labor Costs When Determining Actual Cash Value: Henn v. American Family - Advise &amp; Consult, Inc.\" \/>\n<meta property=\"og:description\" content=\"NE Supreme Court held that it is acceptable for insurance companies to depreciate labor costs when determining the actual cash value of damaged property\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.myconstructionexpert.com\/blog\/depreciation-labor-costs-determining-actual-cash-value-henn-v-american-family\/\" \/>\n<meta property=\"og:site_name\" content=\"Advise &amp; Consult, Inc.\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Advise-Consult-Inc-126949043996790\/\" \/>\n<meta property=\"article:published_time\" content=\"2017-06-21T20:39:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2017-06-21T21:13:13+00:00\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@adviseconsult\" \/>\n<meta name=\"twitter:site\" content=\"@adviseconsult\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/depreciation-labor-costs-determining-actual-cash-value-henn-v-american-family\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/depreciation-labor-costs-determining-actual-cash-value-henn-v-american-family\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/0a11abe008083d5fb19c2b0feefe7bd7\"},\"headline\":\"Depreciation of Labor Costs When Determining Actual Cash Value: Henn v. American Family\",\"datePublished\":\"2017-06-21T20:39:00+00:00\",\"dateModified\":\"2017-06-21T21:13:13+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/depreciation-labor-costs-determining-actual-cash-value-henn-v-american-family\/\"},\"wordCount\":1047,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#organization\"},\"keywords\":[\"Actual Cash Value\",\"Advise &amp; Consult\",\"Depreciation\",\"Depreciation of Labor\",\"Insurance Claims\",\"Replacement Cost Value\"],\"articleSection\":[\"Insurance Claims\",\"Property Damage\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.myconstructionexpert.com\/blog\/depreciation-labor-costs-determining-actual-cash-value-henn-v-american-family\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/depreciation-labor-costs-determining-actual-cash-value-henn-v-american-family\/\",\"url\":\"https:\/\/www.myconstructionexpert.com\/blog\/depreciation-labor-costs-determining-actual-cash-value-henn-v-american-family\/\",\"name\":\"Depreciation of Labor Costs When Determining Actual Cash Value: Henn v. American Family - Advise &amp; Consult, Inc.\",\"isPartOf\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#website\"},\"datePublished\":\"2017-06-21T20:39:00+00:00\",\"dateModified\":\"2017-06-21T21:13:13+00:00\",\"description\":\"NE Supreme Court held that it is acceptable for insurance companies to depreciate labor costs when determining the actual cash value of damaged property\",\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.myconstructionexpert.com\/blog\/depreciation-labor-costs-determining-actual-cash-value-henn-v-american-family\/\"]}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#website\",\"url\":\"https:\/\/www.myconstructionexpert.com\/blog\/\",\"name\":\"Advise &amp; Consult, Inc.\",\"description\":\"Construction Expert Witnesses\",\"publisher\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.myconstructionexpert.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#organization\",\"name\":\"Advise & Consult\",\"url\":\"https:\/\/www.myconstructionexpert.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.myconstructionexpert.com\/blog\/wp-content\/uploads\/2015\/11\/AC-Red-Logo.png\",\"contentUrl\":\"https:\/\/www.myconstructionexpert.com\/blog\/wp-content\/uploads\/2015\/11\/AC-Red-Logo.png\",\"width\":162,\"height\":75,\"caption\":\"Advise & Consult\"},\"image\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/Advise-Consult-Inc-126949043996790\/\",\"https:\/\/x.com\/adviseconsult\",\"https:\/\/www.linkedin.com\/company-beta\/204526\/\",\"https:\/\/www.youtube.com\/user\/MrConstructionExpert\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/0a11abe008083d5fb19c2b0feefe7bd7\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/b01e71b7acadd7657af782b7ad1a30cc?s=96&d=mm&r=pg\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/b01e71b7acadd7657af782b7ad1a30cc?s=96&d=mm&r=pg\",\"caption\":\"admin\"},\"sameAs\":[\"http:\/\/www.expertwitnessinconstruction.com\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Depreciation of Labor Costs When Determining Actual Cash Value: Henn v. American Family - Advise &amp; Consult, Inc.","description":"NE Supreme Court held that it is acceptable for insurance companies to depreciate labor costs when determining the actual cash value of damaged property","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.myconstructionexpert.com\/blog\/depreciation-labor-costs-determining-actual-cash-value-henn-v-american-family\/","og_locale":"en_US","og_type":"article","og_title":"Depreciation of Labor Costs When Determining Actual Cash Value: Henn v. American Family - Advise &amp; Consult, Inc.","og_description":"NE Supreme Court held that it is acceptable for insurance companies to depreciate labor costs when determining the actual cash value of damaged property","og_url":"https:\/\/www.myconstructionexpert.com\/blog\/depreciation-labor-costs-determining-actual-cash-value-henn-v-american-family\/","og_site_name":"Advise &amp; Consult, Inc.","article_publisher":"https:\/\/www.facebook.com\/Advise-Consult-Inc-126949043996790\/","article_published_time":"2017-06-21T20:39:00+00:00","article_modified_time":"2017-06-21T21:13:13+00:00","author":"admin","twitter_card":"summary_large_image","twitter_creator":"@adviseconsult","twitter_site":"@adviseconsult","twitter_misc":{"Written by":"admin","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.myconstructionexpert.com\/blog\/depreciation-labor-costs-determining-actual-cash-value-henn-v-american-family\/#article","isPartOf":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/depreciation-labor-costs-determining-actual-cash-value-henn-v-american-family\/"},"author":{"name":"admin","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/0a11abe008083d5fb19c2b0feefe7bd7"},"headline":"Depreciation of Labor Costs When Determining Actual Cash Value: Henn v. American Family","datePublished":"2017-06-21T20:39:00+00:00","dateModified":"2017-06-21T21:13:13+00:00","mainEntityOfPage":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/depreciation-labor-costs-determining-actual-cash-value-henn-v-american-family\/"},"wordCount":1047,"commentCount":0,"publisher":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/#organization"},"keywords":["Actual Cash Value","Advise &amp; Consult","Depreciation","Depreciation of Labor","Insurance Claims","Replacement Cost Value"],"articleSection":["Insurance Claims","Property Damage"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.myconstructionexpert.com\/blog\/depreciation-labor-costs-determining-actual-cash-value-henn-v-american-family\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.myconstructionexpert.com\/blog\/depreciation-labor-costs-determining-actual-cash-value-henn-v-american-family\/","url":"https:\/\/www.myconstructionexpert.com\/blog\/depreciation-labor-costs-determining-actual-cash-value-henn-v-american-family\/","name":"Depreciation of Labor Costs When Determining Actual Cash Value: Henn v. American Family - Advise &amp; Consult, Inc.","isPartOf":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/#website"},"datePublished":"2017-06-21T20:39:00+00:00","dateModified":"2017-06-21T21:13:13+00:00","description":"NE Supreme Court held that it is acceptable for insurance companies to depreciate labor costs when determining the actual cash value of damaged property","inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.myconstructionexpert.com\/blog\/depreciation-labor-costs-determining-actual-cash-value-henn-v-american-family\/"]}]},{"@type":"WebSite","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#website","url":"https:\/\/www.myconstructionexpert.com\/blog\/","name":"Advise &amp; Consult, Inc.","description":"Construction Expert Witnesses","publisher":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.myconstructionexpert.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#organization","name":"Advise & Consult","url":"https:\/\/www.myconstructionexpert.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.myconstructionexpert.com\/blog\/wp-content\/uploads\/2015\/11\/AC-Red-Logo.png","contentUrl":"https:\/\/www.myconstructionexpert.com\/blog\/wp-content\/uploads\/2015\/11\/AC-Red-Logo.png","width":162,"height":75,"caption":"Advise & Consult"},"image":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/Advise-Consult-Inc-126949043996790\/","https:\/\/x.com\/adviseconsult","https:\/\/www.linkedin.com\/company-beta\/204526\/","https:\/\/www.youtube.com\/user\/MrConstructionExpert"]},{"@type":"Person","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/0a11abe008083d5fb19c2b0feefe7bd7","name":"admin","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/b01e71b7acadd7657af782b7ad1a30cc?s=96&d=mm&r=pg","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/b01e71b7acadd7657af782b7ad1a30cc?s=96&d=mm&r=pg","caption":"admin"},"sameAs":["http:\/\/www.expertwitnessinconstruction.com"]}]}},"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p2ztG6-3K8Y","jetpack_likes_enabled":true,"_links":{"self":[{"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/posts\/892364","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/comments?post=892364"}],"version-history":[{"count":2,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/posts\/892364\/revisions"}],"predecessor-version":[{"id":892370,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/posts\/892364\/revisions\/892370"}],"wp:attachment":[{"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/media?parent=892364"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/categories?post=892364"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/tags?post=892364"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}