{"id":895203,"date":"2018-11-20T11:46:43","date_gmt":"2018-11-20T18:46:43","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=895203"},"modified":"2018-11-20T11:46:43","modified_gmt":"2018-11-20T18:46:43","slug":"policy-conditions-substantial-compliance-florida-pulse","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/policy-conditions-substantial-compliance-florida-pulse\/","title":{"rendered":"Policy Conditions and Substantial Compliance in Florida\u2014There is a Pulse!"},"content":{"rendered":"

Deborah Trotter | Property Insurance Coverage Law Blog<\/a> | November 18, 2018<\/p>\n

A recent Florida appellate opinion addresses common issues regarding the death blow or failure to comply with policy conditions. It should be well-known that a material breach of a policy condition may be fatal to a claim and grounds for voiding the policy.<\/p>\n

Many insurers seek to avoid paying a legitimate claim by invoking breach of policy conditions\u2014usually, the failure to provide prompt notice, failure to submit to an examination under oath, and failure to submit a timely, sworn proof of loss. In\u00a0Himmel v. Avatar Property & Casualty Insurance Company<\/em>,1<\/sup>\u00a0the appellate court reversed two consolidated summary judgment motions in favor of Avatar issued by the trial court for breach of those policy conditions. The lower court found \u201cthat the undisputed evidence demonstrated that Appellant failed to submit for an EUO; failed to submit a sworn proof of loss; and failed to provide Avatar with prompt notice of the loss.\u201d However, the appellate court found \u201cthat the lower court did not make a determination as to whether Avatar could reasonably require Appellant to submit to an EUO at a date and time that was not mutually convenient.\u201d And further, that whether the proof of loss timely submitted by the insured\u2019s public adjuster on a different form than provided by the insurer actually constitutes a material breach of the policy condition is a fact question for the jury, not the court. Below, is the appellate court\u2019s well-reasoned analysis for each alleged fatal breach:<\/p>\n

Analysis<\/p>\n

1) EUO<\/em><\/p>\n

We begin our analysis by addressing the trial court\u2019s finding that Appellant breached the policy by failing to submit to an EUO. \u201cAn insured\u2019s refusal to comply with a demand for an [EUO] is a willful and material breach of an insurance contract which precludes the insured from recovery under the policy.\u201d\u00a0Goldman v. State Farm Fire Gen. Ins. Co.<\/em>, 660 So. 2d 300, 303 (Fla. 4th DCA 1995). \u201cIf, however, the insured cooperates to some degree or provides an explanation for its noncompliance, a fact question is presented for resolution by a jury.\u201d\u00a0Haiman v. Fed. Ins. Co.<\/em>, 798 So. 2d 811, 812 (Fla. 4th DCA 2001) (quoting\u00a0Diamonds & Denims, Inc. v. First of Ga. Ins. Co.<\/em>, 417 S.E.2d 440, 442 (Ga. Ct. App. 1992)).<\/p>\n

Here, although it is undisputed that Appellant failed to appear for the scheduled EUO, the record evidence reflects that Appellant\u2019s counsel repeatedly requested to reschedule the EUO to a mutually convenient date and time due to unavailability. Appellant attached to his response in opposition to Avatar\u2019s motions for summary judgment evidence showing the efforts made to reschedule the EUO. Accordingly, Appellant presented evidence showing that he cooperated to some degree and\/or provided an explanation for his noncompliance which in turn created a question of fact as to whether there was a willful and material breach of the EUO provision, thus precluding entry of summary judgment.\u00a0See Lewis v. Liberty Mut. Ins. Co.<\/em>, 121 So. 3d 1136, 1136\u201337 (Fla. 4th DCA 2013) (whether insured\u2019s refusal to attend EUO unless it was via telephone or at her attorney\u2019s office constituted a willful and material breach was a fact issue precluding summary judgment based on insured\u2019s failure to cooperate);\u00a0Haiman<\/em>, 798 So. 2d at 812.<\/p>\n

2) Prompt Notice<\/em><\/p>\n

We next address the trial court\u2019s finding that Appellant breached the policy by failing to provide Avatar with prompt notice. \u201cNotice is necessary when there has been an occurrence that should lead a reasonable and prudent [person] to believe that a claim for damages would arise.\u201d\u00a0Ideal Mut. Ins. Co. v. Waldrep<\/em>, 400 So. 2d 782, 785 (Fla. 3d DCA 1981). Notice is said to be prompt when it is provided \u201cwith reasonable dispatch and within a reasonable time in view of all of the facts and circumstances of the particular case.\u201d\u00a0Laquer v. Citizens Prop. Ins. Corp.<\/em>, 167 So. 3d 470, 474 (Fla. 3d DCA 2015) (quoting\u00a0Yacht Club on the Intracoastal Condo. Ass\u2019n v. Lexington Ins. Co.<\/em>, 599 Fed. Appx. 875, 879 (11th Cir. 2015)).<\/p>\n

Accordingly, \u201cthe issue of whether an insured provided \u2018prompt\u2019 notice generally presents an issue of fact.\u201d\u00a0Id.<\/em>;\u00a0see also Gonzalez v. U.S. Fid. & Guar. Co.<\/em>, 441 So. 2d 681, 681 (Fla. 3d DCA 1983) (\u201cWhat constitutes a reasonable time within which to give notice of an accident under the terms of a policy of insurance is ordinarily an issue of fact.\u201d).\u00a0But see Kroener v. Fla. Ins. Guar. Ass\u2019n<\/em>, 63 So. 3d 914, 916 (Fla. 4th DCA 2011) (notice of loss provided over two years after the date of loss did not constitute \u201cprompt\u201d notice as a matter of law).<\/p>\n

In the present case, the policy requires Appellant to provide \u201cprompt notice\u201d of the loss. Accordingly, Appellant was required to provide notice within a reasonable time given all of the facts and circumstances surrounding the loss.\u00a0Laquer<\/em>, 167 So. 3d at 474. To that end, the summary judgment evidence reflects that Appellant provided Avatar with notice of the claim two days after the leak was first discovered and one day after the actual damage was discovered. The evidence also reflects that during those two days, Appellant was actively attempting to mitigate the damage by fixing the leak and removing the impacted flooring. Whether waiting two days before providing Avatar with notice was untimely in view of all of the facts and circumstances surrounding the loss was an issue of fact for the jury to determine.<\/p>\n

3) Sworn Proof of Loss<\/em><\/p>\n

Lastly, we address the trial court\u2019s finding that Appellant breached the policy by failing to submit a sworn proof of loss. It is well established that an insured\u2019s failure to submit a sworn proof of loss before filing suit is usually fatal to the insured\u2019s claim.\u00a0Kramer v. State Farm Fla. Ins. Co.<\/em>, 95 So. 3d 303, 306 (Fla. 4th DCA 2012). When an insured does submit a sworn proof of loss, however, the issue of whether the submitted document \u201csubstantially complie[s] with policy obligations is a question of fact\u201d which precludes the entry of summary judgment.\u00a0State Farm Fla. Ins. Co. v. Figueroa<\/em>, 218 So. 3d 886, 888 (Fla. 4th DCA 2017);\u00a0see also Schnagel v. State Farm Mut. Auto. Ins. Co.<\/em>, 843 So. 2d 1037, 1038 (Fla. 4th DCA 2003).<\/p>\n

Here, it is undisputed that Appellant submitted a timely sworn proof of loss via his public adjuster. Although on a different form, the submitted sworn proof of loss contained substantially the same information as requested in the form provided by Avatar with the exception of any claimed personal property loss. Nonetheless, whether Appellant\u2019s failure to include information about his personal property loss in the sworn proof of loss constituted a material breach of the policy was an issue of fact for the jury, not the trial court, to determine.\u00a0See Schnagel<\/em>, 843 So. 2d at 1038 (holding that where the insured provided some, but not all, of the insurer requested documents pursuant to the policy\u2019s cooperation clause, the issue of whether the insured materially breached the policy was one for the jury to resolve).<\/p><\/blockquote>\n

As we see from the appellate court\u2019s analysis, the evidence shows the insurer failed to provide the insured with support for declaring non-compliance and attempting to avoid properly paying the claim. The appellate court found that though the insured may not have adhered to the unsubstantiated and vague demands of the insurer, whether or not those arbitrary demands were reasonable or the insured\u2019s failure to comply with those arbitrary demands were in fact a \u201cwillful and material\u201d breach or a \u201cmaterial\u201d breach of policy conditions are issues of fact for the jury to determine, not the court.<\/p>\n

In this case, the appellate court held off the coroner and called for the defibrillator. Compliance with policy conditions is a serious matter. It is always a good idea to consult counsel and prevent fatal arguments. There is great guidance in this opinion to keep your claims healthy!
\n__________________________
\n1<\/sup>\u00a0Himmel v. Avatar Property & Casualty Ins. Co.<\/em>, Nos. 4D17-2724 and 4D18-0004 (Fla. 4th DCA October 17, 2018).<\/p>\n","protected":false},"excerpt":{"rendered":"

Deborah Trotter | Property Insurance Coverage Law Blog | November 18, 2018 A recent Florida appellate opinion addresses common issues regarding the death blow or failure to comply with policy conditions. It should be well-known that a material breach of a policy condition may be fatal to a claim and grounds for voiding the policy.… Continue reading Policy Conditions and Substantial Compliance in Florida\u2014There is a Pulse!<\/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":false,"_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],"tags":[9895,94,3,10668],"class_list":["post-895203","post","type-post","status-publish","format-standard","hentry","category-insurance-claims","tag-advise-consult","tag-florida","tag-insurance-claims","tag-policy-conditions","entry"],"jetpack_publicize_connections":[],"yoast_head":"\nPolicy Conditions and Substantial Compliance in Florida\u2014There is a Pulse! - Advise & Consult, Inc.<\/title>\n<meta name=\"description\" content=\"A recent Florida appellate opinion addresses common issues regarding the death blow or failure to comply with policy conditions\" \/>\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\/policy-conditions-substantial-compliance-florida-pulse\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Policy Conditions and Substantial Compliance in Florida\u2014There is a Pulse! - Advise & Consult, Inc.\" \/>\n<meta property=\"og:description\" content=\"A recent Florida appellate opinion addresses common issues regarding the death blow or failure to comply with policy conditions\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.myconstructionexpert.com\/blog\/policy-conditions-substantial-compliance-florida-pulse\/\" \/>\n<meta property=\"og:site_name\" content=\"Advise & Consult, Inc.\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Advise-Consult-Inc-126949043996790\/\" \/>\n<meta property=\"article:published_time\" content=\"2018-11-20T18:46:43+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=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/policy-conditions-substantial-compliance-florida-pulse\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/policy-conditions-substantial-compliance-florida-pulse\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/0a11abe008083d5fb19c2b0feefe7bd7\"},\"headline\":\"Policy Conditions and Substantial Compliance in Florida\u2014There is a Pulse!\",\"datePublished\":\"2018-11-20T18:46:43+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/policy-conditions-substantial-compliance-florida-pulse\/\"},\"wordCount\":1322,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#organization\"},\"keywords\":[\"Advise & Consult\",\"Florida\",\"Insurance Claims\",\"Policy Conditions\"],\"articleSection\":[\"Insurance Claims\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.myconstructionexpert.com\/blog\/policy-conditions-substantial-compliance-florida-pulse\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/policy-conditions-substantial-compliance-florida-pulse\/\",\"url\":\"https:\/\/www.myconstructionexpert.com\/blog\/policy-conditions-substantial-compliance-florida-pulse\/\",\"name\":\"Policy Conditions and Substantial Compliance in Florida\u2014There is a Pulse! - Advise & Consult, Inc.\",\"isPartOf\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#website\"},\"datePublished\":\"2018-11-20T18:46:43+00:00\",\"description\":\"A recent Florida appellate opinion addresses common issues regarding the death blow or failure to comply with policy conditions\",\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.myconstructionexpert.com\/blog\/policy-conditions-substantial-compliance-florida-pulse\/\"]}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#website\",\"url\":\"https:\/\/www.myconstructionexpert.com\/blog\/\",\"name\":\"Advise & 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":"Policy Conditions and Substantial Compliance in Florida\u2014There is a Pulse! - Advise & Consult, Inc.","description":"A recent Florida appellate opinion addresses common issues regarding the death blow or failure to comply with policy conditions","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\/policy-conditions-substantial-compliance-florida-pulse\/","og_locale":"en_US","og_type":"article","og_title":"Policy Conditions and Substantial Compliance in Florida\u2014There is a Pulse! - Advise & Consult, Inc.","og_description":"A recent Florida appellate opinion addresses common issues regarding the death blow or failure to comply with policy conditions","og_url":"https:\/\/www.myconstructionexpert.com\/blog\/policy-conditions-substantial-compliance-florida-pulse\/","og_site_name":"Advise & Consult, Inc.","article_publisher":"https:\/\/www.facebook.com\/Advise-Consult-Inc-126949043996790\/","article_published_time":"2018-11-20T18:46:43+00:00","author":"admin","twitter_card":"summary_large_image","twitter_creator":"@adviseconsult","twitter_site":"@adviseconsult","twitter_misc":{"Written by":"admin","Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.myconstructionexpert.com\/blog\/policy-conditions-substantial-compliance-florida-pulse\/#article","isPartOf":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/policy-conditions-substantial-compliance-florida-pulse\/"},"author":{"name":"admin","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/0a11abe008083d5fb19c2b0feefe7bd7"},"headline":"Policy Conditions and Substantial Compliance in Florida\u2014There is a Pulse!","datePublished":"2018-11-20T18:46:43+00:00","mainEntityOfPage":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/policy-conditions-substantial-compliance-florida-pulse\/"},"wordCount":1322,"commentCount":0,"publisher":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/#organization"},"keywords":["Advise & Consult","Florida","Insurance Claims","Policy Conditions"],"articleSection":["Insurance Claims"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.myconstructionexpert.com\/blog\/policy-conditions-substantial-compliance-florida-pulse\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.myconstructionexpert.com\/blog\/policy-conditions-substantial-compliance-florida-pulse\/","url":"https:\/\/www.myconstructionexpert.com\/blog\/policy-conditions-substantial-compliance-florida-pulse\/","name":"Policy Conditions and Substantial Compliance in Florida\u2014There is a Pulse! - Advise & Consult, Inc.","isPartOf":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/#website"},"datePublished":"2018-11-20T18:46:43+00:00","description":"A recent Florida appellate opinion addresses common issues regarding the death blow or failure to comply with policy conditions","inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.myconstructionexpert.com\/blog\/policy-conditions-substantial-compliance-florida-pulse\/"]}]},{"@type":"WebSite","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#website","url":"https:\/\/www.myconstructionexpert.com\/blog\/","name":"Advise & 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\/p2ztG6-3KSL","jetpack_likes_enabled":true,"_links":{"self":[{"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/posts\/895203","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=895203"}],"version-history":[{"count":1,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/posts\/895203\/revisions"}],"predecessor-version":[{"id":895204,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/posts\/895203\/revisions\/895204"}],"wp:attachment":[{"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/media?parent=895203"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/categories?post=895203"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/tags?post=895203"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}