{"id":902877,"date":"2024-06-26T13:19:30","date_gmt":"2024-06-26T19:19:30","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=902877"},"modified":"2024-06-26T13:19:57","modified_gmt":"2024-06-26T19:19:57","slug":"there-is-no-claims-file-privilege-in-florida-despite-what-insurers-want-you-to-think","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/there-is-no-claims-file-privilege-in-florida-despite-what-insurers-want-you-to-think\/","title":{"rendered":"There is No Claims File Privilege in Florida, Despite What Insurers Want You to Think"},"content":{"rendered":"\n<p>Susana Arce and Stephanie A. Giagnorio | <a href=\"https:\/\/www.sdvlaw.com\/insights\/there-is-no-claims-file-privilege-in-florida-despite-what-insurers-want-you-to-think\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">SDV Insights<\/a><\/p>\n\n\n\n<p>As Florida insurers continue their attempts to narrow protections for policyholders, it is imperative &#8211; now more than ever &#8211; that insureds be well-informed and know their rights. Most recently, in Florida, insurers are attempting to weaponize the death of Senate Bill 1726 and House Bill 1287 to limit the documents disclosed to policyholders. Specifically, the proposed bill, which required insurers to disclose their claims file to policyholders, hoped to thwart insurers from utilizing \u201cclaims file privilege\u201d to obstruct justice for policyholders and help level the playing field. The goal of the proposed bill was to promote transparency of the claim adjustment process and undercut insurers\u2019 attempts to dodge discovery of relevant and necessary information during litigation, forcing the insurers to fully and honestly justify their basis for withholding coverage . Unfortunately for policyholders, on March 8, 2024, the proposed legislation was not passed by the Insurance and Banking Subcommittee.&nbsp;<\/p>\n\n\n\n<p>While insurers want you to believe this is a significant victory and a free pass to continue withholding documents under a \u201cclaims file privilege,\u201d this is not the case. The proposed bill merely codified current Florida law \u2013 simply put, the \u201cclaims file privilege\u201d never existed, and still does not.<\/p>\n\n\n\n<p>Indeed, the \u201cclaims file privilege\u201d is not codified or rooted in Florida jurisprudence. Nevertheless, Florida insurers routinely utilize the phrase \u201cclaims file privilege\u201d as a basis to withhold discovery of policyholders\u2019 claims files and stonewall meaningful and necessary fact investigation. The \u201cclaims file privilege\u201d and related arguments inevitably crop up during most insurance coverage disputes in Florida.<\/p>\n\n\n\n<p>Insurers base their tenuous claim for application of a \u201cclaims file privilege\u201d on Florida case law asserting that an insurer\u2019s claims file is generally not discoverable. To support their position, Insurers have attempted to disguise the Work Product Doctrine in palatable, but disingenuous, language. This issue is discussed at great length by the Eleventh Judicial Circuit Court in&nbsp;Udelson v. Nationwide Ins. Co. of Fla., Pepper Eng\u2019g Grp., Inc., &amp; Fed. Ins. Co., 20 Fla. L. Weekly Supp. 1176a (2013). The c ourt analyzed the \u201cclaims file privilege\u201d and Work Product Doctrine when policyholders brought forth a motion to compel the insurers\u2019 claims file. The court decided the following:<\/p>\n\n\n\n<p>\u201cdocuments in an insurance carrier&#8217;s file &#8212; like documents in any litigant&#8217;s file &#8212; that are relevant or reasonably calculated to lead to the discovery of admissible evidence are discoverable unless, and only unless, privileged. It makes no difference whether the document in the insurer&#8217;s file is an \u2018activity log,\u2019 \u2018claims manual,\u2019 \u2018photograph\u2019 of the damaged property, or anything else. Nor does it matter how the material is labeled by the carrier, or where it is located within the insurer&#8217;s \u2018file.\u2019 Such material is protected by the work product privilege if, and only if, it is prepared \u2018in anticipation of litigation.\u2019&nbsp;<strong><em>The law, quite simply, does not recognize a \u201cclaims file\u201d privilege<\/em><\/strong>.\u201d<sup>1<\/sup><\/p>\n\n\n\n<p>Based on this analysis, the Court held in favor of policyholders, requiring the insurers to disclose documents created and used in the \u201cadjustment of the claim\u201d because the adjustment process was an activity required by the policy and occurred in the ordinary course of business, taking it outside the protection of the Work Product Doctrine. The Court, importantly, recognized that while different courts in Florida applied different standards to determine when litigation was anticipated, they did so in the context of the Work Product Doctrine, and not the fictious \u201cclaims file privilege.\u201d&nbsp;<\/p>\n\n\n\n<p>Florida\u2019s Third District Court of Appeals also addressed this issue in&nbsp;Homeowners Choice Prop. and Cas. Ins. Co. v. Avila,<sup>2<\/sup>&nbsp; explicitly recognizing that there is no claims file privilege. In&nbsp;Avila, the court grappled with the discoverability of a claims file in a breach of contract claim, which the insurer refused to disclose in discovery. The court determined that in breach of contract disputes, a claims file may not be relevant, while in bad faith litigation, or where an insurer\u2019s conduct is at issue, the claims file may be relevant and subject to disclosure. The Court ultimately decided that the documents were protected under the Work Product Doctrine, not \u201cclaims file privilege.\u201d<\/p>\n\n\n\n<p>Likewise, the Fifth District Court of Appeal reached a similar conclusion in&nbsp;Avatar Property &amp; Casualty Ins. Co. v. Simmons,<sup>3<\/sup>&nbsp; finding that the insurer was required to produce photographs within its claims file as Avatar failed to prove they were protected by the Work Product Doctrine. Avatar attempted to insert objections made by Simmons for videos and photographs, as well as a request for the underwriting file, claiming they were in the claims file and, therefore, work product. The court observed that \u201cEven if &#8230; a \u2018claims file\u2019 is work product, it is not necessarily true that every document in a claim file is work product. Putting a document in a claim file doesn&#8217;t make it immune; it is only immune if it is work product.\u201d<sup>4<\/sup><\/p>\n\n\n\n<p>While the proposed bill contained many protections for policyholders \u2013 such as affirmatively requiring insurers to notify policyholders or the policyholder\u2019s representatives that they may, upon request, obtain copies of all claim-related documents and putting a fifteen (15) day deadline to respond to requests for the same \u2013 the purpose and substance of the bill is already controlling Florida law. The biggest advantage of codifying the current law is that it would have allowed policyholders to make claims file requests outside of litigation. While the insurers would still be able to withhold privileged documents under the bill, they would have been required to provide notice to the policyholder that purportedly privileged documents were withheld.&nbsp;&nbsp;<\/p>\n\n\n\n<p>With Florida insurance law constantly evolving, it is important to fully understand your rights as a policyholder. As you can see, things are not always as they appear. Policyholders should consider consulting experienced attorneys regarding their rights early and often as insurers continue to succeed with their lobbying efforts.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><sup>1<\/sup>Udelson v. Nationwide Ins. Co. of Fla., Pepper Eng\u2019g Grp., Inc., &amp; Fed. Ins. Co., 20 Fla. L. Weekly Supp. 1176a (2013).<br><sup>2<\/sup>Homeowners Choice Prop. and Cas. Ins. Co. v. Avila, 248 So. 3d 180 (Fla. 3d DCA 2018).<br><sup>3<\/sup>Avatar Property &amp; Casualty Ins. Co. v. Simmons, 298 So.3d 1252 (Fla. 5th DCA 2020).<br><sup>4<\/sup>Id.&nbsp;&nbsp;<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><strong>When one of your cases is in need of a construction expert, estimates, insurance appraisal or umpire services in defect or insurance disputes &#8211; please call Advise &amp; Consult, Inc. at 888.684.8305, or email <a href=\"mailto:experts@adviseandconsult.net\">experts@adviseandconsult.net<\/a>.<\/strong><\/p>\n\n\n\n<p><a href=\"https:\/\/www.sdvlaw.com\/attorney\/Susana_Arce\"><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Susana Arce and Stephanie A. Giagnorio | SDV Insights As Florida insurers continue their attempts to narrow protections for policyholders, it is imperative &#8211; now more than ever &#8211; that insureds be well-informed and know their rights. Most recently, in Florida, insurers are attempting to weaponize the death of Senate Bill 1726 and House Bill&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/there-is-no-claims-file-privilege-in-florida-despite-what-insurers-want-you-to-think\/\">Continue reading <span class=\"screen-reader-text\">There is No Claims File Privilege in Florida, Despite What Insurers Want You to Think<\/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":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[14],"tags":[],"class_list":["post-902877","post","type-post","status-publish","format-standard","hentry","category-construction-2","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>There is No Claims File Privilege in Florida, Despite What Insurers Want You to Think - Advise &amp; Consult, Inc.<\/title>\n<meta name=\"description\" content=\"proposed bill hopes to thwart insurers from utilizing \u201cclaims file privilege\u201d to obstruct justice for policyholders\" \/>\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\/there-is-no-claims-file-privilege-in-florida-despite-what-insurers-want-you-to-think\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"There is No Claims File Privilege in Florida, Despite What Insurers Want You to Think - Advise &amp; Consult, Inc.\" \/>\n<meta property=\"og:description\" content=\"proposed bill hopes to thwart insurers from utilizing \u201cclaims file privilege\u201d to obstruct justice for policyholders\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.myconstructionexpert.com\/blog\/there-is-no-claims-file-privilege-in-florida-despite-what-insurers-want-you-to-think\/\" \/>\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=\"2024-06-26T19:19:30+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-06-26T19:19:57+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\/there-is-no-claims-file-privilege-in-florida-despite-what-insurers-want-you-to-think\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/there-is-no-claims-file-privilege-in-florida-despite-what-insurers-want-you-to-think\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/0a11abe008083d5fb19c2b0feefe7bd7\"},\"headline\":\"There is No Claims File Privilege in Florida, Despite What Insurers Want You to Think\",\"datePublished\":\"2024-06-26T19:19:30+00:00\",\"dateModified\":\"2024-06-26T19:19:57+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/there-is-no-claims-file-privilege-in-florida-despite-what-insurers-want-you-to-think\/\"},\"wordCount\":1090,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#organization\"},\"articleSection\":[\"Construction\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.myconstructionexpert.com\/blog\/there-is-no-claims-file-privilege-in-florida-despite-what-insurers-want-you-to-think\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/there-is-no-claims-file-privilege-in-florida-despite-what-insurers-want-you-to-think\/\",\"url\":\"https:\/\/www.myconstructionexpert.com\/blog\/there-is-no-claims-file-privilege-in-florida-despite-what-insurers-want-you-to-think\/\",\"name\":\"There is No Claims File Privilege in Florida, Despite What Insurers Want You to Think - Advise &amp; Consult, Inc.\",\"isPartOf\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#website\"},\"datePublished\":\"2024-06-26T19:19:30+00:00\",\"dateModified\":\"2024-06-26T19:19:57+00:00\",\"description\":\"proposed bill hopes to thwart insurers from utilizing \u201cclaims file privilege\u201d to obstruct justice for policyholders\",\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.myconstructionexpert.com\/blog\/there-is-no-claims-file-privilege-in-florida-despite-what-insurers-want-you-to-think\/\"]}]},{\"@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":"There is No Claims File Privilege in Florida, Despite What Insurers Want You to Think - Advise &amp; Consult, Inc.","description":"proposed bill hopes to thwart insurers from utilizing \u201cclaims file privilege\u201d to obstruct justice for policyholders","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\/there-is-no-claims-file-privilege-in-florida-despite-what-insurers-want-you-to-think\/","og_locale":"en_US","og_type":"article","og_title":"There is No Claims File Privilege in Florida, Despite What Insurers Want You to Think - Advise &amp; Consult, Inc.","og_description":"proposed bill hopes to thwart insurers from utilizing \u201cclaims file privilege\u201d to obstruct justice for policyholders","og_url":"https:\/\/www.myconstructionexpert.com\/blog\/there-is-no-claims-file-privilege-in-florida-despite-what-insurers-want-you-to-think\/","og_site_name":"Advise &amp; Consult, Inc.","article_publisher":"https:\/\/www.facebook.com\/Advise-Consult-Inc-126949043996790\/","article_published_time":"2024-06-26T19:19:30+00:00","article_modified_time":"2024-06-26T19:19:57+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\/there-is-no-claims-file-privilege-in-florida-despite-what-insurers-want-you-to-think\/#article","isPartOf":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/there-is-no-claims-file-privilege-in-florida-despite-what-insurers-want-you-to-think\/"},"author":{"name":"admin","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/0a11abe008083d5fb19c2b0feefe7bd7"},"headline":"There is No Claims File Privilege in Florida, Despite What Insurers Want You to Think","datePublished":"2024-06-26T19:19:30+00:00","dateModified":"2024-06-26T19:19:57+00:00","mainEntityOfPage":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/there-is-no-claims-file-privilege-in-florida-despite-what-insurers-want-you-to-think\/"},"wordCount":1090,"commentCount":0,"publisher":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/#organization"},"articleSection":["Construction"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.myconstructionexpert.com\/blog\/there-is-no-claims-file-privilege-in-florida-despite-what-insurers-want-you-to-think\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.myconstructionexpert.com\/blog\/there-is-no-claims-file-privilege-in-florida-despite-what-insurers-want-you-to-think\/","url":"https:\/\/www.myconstructionexpert.com\/blog\/there-is-no-claims-file-privilege-in-florida-despite-what-insurers-want-you-to-think\/","name":"There is No Claims File Privilege in Florida, Despite What Insurers Want You to Think - Advise &amp; Consult, Inc.","isPartOf":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/#website"},"datePublished":"2024-06-26T19:19:30+00:00","dateModified":"2024-06-26T19:19:57+00:00","description":"proposed bill hopes to thwart insurers from utilizing \u201cclaims file privilege\u201d to obstruct justice for policyholders","inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.myconstructionexpert.com\/blog\/there-is-no-claims-file-privilege-in-florida-despite-what-insurers-want-you-to-think\/"]}]},{"@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\/p2ztG6-3MSx","jetpack_likes_enabled":true,"_links":{"self":[{"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/posts\/902877","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=902877"}],"version-history":[{"count":2,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/posts\/902877\/revisions"}],"predecessor-version":[{"id":902884,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/posts\/902877\/revisions\/902884"}],"wp:attachment":[{"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/media?parent=902877"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/categories?post=902877"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/tags?post=902877"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}