{"id":1098,"date":"2017-04-14T05:20:19","date_gmt":"2017-04-14T05:20:19","guid":{"rendered":"https:\/\/pamstaging.securenow.in\/insuropedia\/?p=1098"},"modified":"2026-07-13T04:47:48","modified_gmt":"2026-07-13T04:47:48","slug":"how-is-indemnity-estimated-fire-insurance","status":"publish","type":"post","link":"https:\/\/securenow.in\/insuropedia\/how-is-indemnity-estimated-fire-insurance\/","title":{"rendered":"How is Indemnity Estimated in Fire Insurance?"},"content":{"rendered":"<div id=\"bsf_rt_marker\"><\/div><p>The principle of indemnity ensures that there is no profit to the insured after the claim, and he\/she only retains his\/her financial position as it was before the loss. Estimation of indemnity will consider all the ways and methods to ensure this application in every insurance contract, including fire Insurance.<\/p>\n<h2 data-path-to-node=\"3\">Key Takeaways<\/h2>\n<ul data-path-to-node=\"4\">\n<li>\n<p data-path-to-node=\"4,0,0\"><b data-path-to-node=\"4,0,0\" data-index-in-node=\"0\">The Core Anti-Profit Mandate:<\/b> The primary function of any contract under the principle of indemnity ensures that there is no profit to the insured, holding payouts strictly to actual losses.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"4,1,0\"><b data-path-to-node=\"4,1,0\" data-index-in-node=\"0\">The Non-Negotiable Core Slabs:<\/b> While inventory values shift depending on policy selection, establishing a claim always requires verifying ownership of the asset at the time of the accident along with legal liability.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"4,2,0\"><b data-path-to-node=\"4,2,0\" data-index-in-node=\"0\">Retail Supply Chain Insulation:<\/b> To prevent unearned windfalls, commercial inventories meant for distribution are protected using cost value, which is the price paid to buy these things from suppliers.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"4,3,0\"><b data-path-to-node=\"4,3,0\" data-index-in-node=\"0\">The Mathematical Depreciation Penalty:<\/b> Personal convenience items do not hold their initial value; adjusters calculate payouts by factoring in depreciation for the time the items have been in use.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"4,4,0\"><b data-path-to-node=\"4,4,0\" data-index-in-node=\"0\">Exclusion of Non-Structural Earth:<\/b> Construction schedules ignore raw land manipulation; underwriting limits dictate that material costs will not include the cost of loose earth used in construction.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"4,5,0\"><b data-path-to-node=\"4,5,0\" data-index-in-node=\"0\">Inflation Protection via Reinstatement:<\/b> Builders can shield their capital from rising building supply prices by paying a higher premium for a reinstatement value policy to avoid incurring extra cost if the structure gets damaged.<\/p>\n<\/li>\n<\/ul>\n<p>Indemnity is estimated in <a href=\"https:\/\/securenow.in\/property-insurance\/fire-insurance\">Fire Insurance Policy<\/a> based on the following factors:<\/p>\n<ul>\n<li>Ownership of the asset at the time of the accident<\/li>\n<li>Legal liability of the insured<\/li>\n<li>The market value of the asset<\/li>\n<li>Depreciation in the asset value<\/li>\n<li>Agreed upon value at the time of insurance<\/li>\n<li>Cost of purchase of the material for insured<\/li>\n<\/ul>\n<p>Except for the first two factors; i.e. ownership and legal liability all other factors will be considered based on the type of policy that has been bought. Here\u2019s a list based on the type of asset and fire policies:<\/p>\n<table>\n<tbody>\n<tr>\n<td><span lang=\"en-in\" style=\"font-size: 11.0pt; mso-bidi-font-size: 12.0pt; line-height: 115%; font-family: 'times new roman',serif; mso-fareast-font-family: calibri; mso-fareast-theme-font: minor-latin; color: #222222; background: white; mso-ansi-language: en-in; mso-fareast-language: en-us; mso-bidi-language: ar-sa;\">under\u00a0construction property, stock in trade, raw material<\/span><\/td>\n<td><span lang=\"en-in\" style=\"font-size: 11.0pt; mso-bidi-font-size: 12.0pt; line-height: 115%; font-family: 'times new roman',serif; mso-fareast-font-family: calibri; mso-fareast-theme-font: minor-latin; color: #222222; background: white; mso-ansi-language: en-in; mso-fareast-language: en-us; mso-bidi-language: ar-sa;\">cost\u00a0of material + labour<\/span><\/td>\n<\/tr>\n<tr>\n<td><span lang=\"en-in\" style=\"font-size: 11.0pt; mso-bidi-font-size: 12.0pt; line-height: 115%; font-family: 'times new roman',serif; mso-fareast-font-family: calibri; mso-fareast-theme-font: minor-latin; color: #222222; background: white; mso-ansi-language: en-in; mso-fareast-language: en-us; mso-bidi-language: ar-sa;\">under\u00a0process material, finished goods<\/span><\/td>\n<td><span lang=\"en-in\" style=\"font-size: 11.0pt; mso-bidi-font-size: 12.0pt; line-height: 115%; font-family: 'times new roman',serif; mso-fareast-font-family: calibri; mso-fareast-theme-font: minor-latin; color: #222222; background: white; mso-ansi-language: en-in; mso-fareast-language: en-us; mso-bidi-language: ar-sa;\">cost\u00a0of material + processing charges + labour + any inflation in the cost<\/span><\/td>\n<\/tr>\n<tr>\n<td><span lang=\"en-in\" style=\"font-size: 11.0pt; mso-bidi-font-size: 12.0pt; line-height: 115%; font-family: 'times new roman',serif; mso-fareast-font-family: calibri; mso-fareast-theme-font: minor-latin; color: #222222; background: white; mso-ansi-language: en-in; mso-fareast-language: en-us; mso-bidi-language: ar-sa;\">newly\u00a0bought goods<\/span><\/td>\n<td><span lang=\"en-in\" style=\"font-size: 11.0pt; mso-bidi-font-size: 12.0pt; line-height: 115%; font-family: 'times new roman',serif; mso-fareast-font-family: calibri; mso-fareast-theme-font: minor-latin; color: #222222; background: white; mso-ansi-language: en-in; mso-fareast-language: en-us; mso-bidi-language: ar-sa;\">market\u00a0value \u2013 depreciation<\/span><\/td>\n<\/tr>\n<tr>\n<td><span lang=\"en-in\" style=\"font-size: 11.0pt; mso-bidi-font-size: 12.0pt; line-height: 115%; font-family: 'times new roman',serif; mso-fareast-font-family: calibri; mso-fareast-theme-font: minor-latin; color: #222222; background: white; mso-ansi-language: en-in; mso-fareast-language: en-us; mso-bidi-language: ar-sa;\">new asset if insured on a reinstatement value basis<\/span><\/td>\n<td><span lang=\"en-in\" style=\"font-size: 11.0pt; mso-bidi-font-size: 12.0pt; line-height: 115%; font-family: 'times new roman',serif; mso-fareast-font-family: calibri; mso-fareast-theme-font: minor-latin; color: #222222; background: white; mso-ansi-language: en-in; mso-fareast-language: en-us; mso-bidi-language: ar-sa;\">market\u00a0value of the new property + any appreciation in value<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Also, see <a href=\"https:\/\/securenow.in\/insuropedia\/what-is-covered-under-a-fire-insurance-policy\/\"><strong>What is not Considered under Indemnity<\/strong><\/a><strong><em><u>?<\/u><\/em><\/strong><\/p>\n<h4><strong>Let us look at an example below<\/strong><\/h4>\n<figure id=\"attachment_1099\" aria-describedby=\"caption-attachment-1099\" style=\"width: 472px\" class=\"wp-caption alignleft\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-1099\" title=\"Fire Insurance Policy\" src=\"https:\/\/securenow.in\/insuropedia\/wp-content\/uploads\/2017\/04\/fire-insurance-300x155.png\" alt=\"Fire Incident in Building\" width=\"472\" height=\"244\" \/><figcaption id=\"caption-attachment-1099\" class=\"wp-caption-text\">Fire Insurance Policy<\/figcaption><\/figure>\n<p>Raju Shrivastava is running a retail store in Delhi. He opened the shop in the garage portion of his house 10 years ago, and now it has grown into a big shop spreading through the entire ground floor area of the house.<\/p>\n<p>He <a href=\"https:\/\/securenow.in\/property-insurance\/fire-insurance\"><strong>bought fire insurance<\/strong><\/a> for the shop and the house after a fire accident charred material worth millions in one of the neighboring houses. The insurer has given him documents that insure various items in his shop and house under various terms.<\/p>\n<p>Raju finds it pretty confusing that if any loss occurs, the insurer will be indulging in complicated calculations before recovering his loss. However, the advisor Gagandeep explains to him:<\/p>\n<ul>\n<li>The material for trading is insured at the cost value, which is the price paid by Raju to buy these things from the suppliers, as he needs to trade in them to make a living and not consume.<\/li>\n<li>The items for his personal consumption, like furniture, fixture, electronic items, etc. depreciate in value over time with use. Therefore, at the time of claim settlement insurer will account for the depreciation for the time the items have been in use.<\/li>\n<\/ul>\n<p>See: <a href=\"https:\/\/securenow.in\/insuropedia\/how-to-file-claims-under-a-fire-insurance-policy-in-india\/\"><strong>How to file a claim Under a Fire Insurance Policy in India?<\/strong><\/a><\/p>\n<p>Gagan further says that Raju has the option of buying a reinstatement value policy. The premium, however, will be higher for this type of cover for personal assets.<\/p>\n<p>This is done to ensure that no one can profit from insurance claims, and instead can retain their financial position as it was before the loss.<\/p>\n<p>Harish Ramawat is constructing a house on the patch of land he bought this year. He has decided to insure the construction after the completion of the first floor of the property. Two more floors are to be constructed at the estimated total cost of Rs. 10 lakh.<\/p>\n<p>The insurer suggests Harish insure the property at reinstatement value so that he does not have to incur any extra cost if the structure gets damaged by any event. The insurer estimates the sum insured based on the cost schedule presented by Harish for the property.<\/p>\n<h3>Summary Table: Indemnity Estimation Methodologies in Fire Insurance<\/h3>\n<table data-path-to-node=\"1\">\n<thead>\n<tr>\n<td><strong>Asset Classification<\/strong><\/td>\n<td><strong>Fire Policy Type Configuration<\/strong><\/td>\n<td><strong>Underwriting Valuation Basis<\/strong><\/td>\n<td><strong>Included Cost Components<\/strong><\/td>\n<td><strong>Case Study Application<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span data-path-to-node=\"1,1,0,0\"><b data-path-to-node=\"1,1,0,0\" data-index-in-node=\"0\">Stock in Trade \/ Trading Goods<\/b><\/span><\/td>\n<td><span data-path-to-node=\"1,1,1,0\">Standard Commercial Fire Policy<\/span><\/td>\n<td>Cost Value (Procurement Pricing)<\/td>\n<td><span data-path-to-node=\"1,1,3,0\">Net invoice price paid to wholesale suppliers <i data-path-to-node=\"1,1,3,0\" data-index-in-node=\"46\">(excludes consumer markups)<\/i>.<\/span><\/td>\n<td><span data-path-to-node=\"1,1,4,0\">A retail business owner in Delhi insured his commercial trade stock at baseline cost value.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"1,2,0,0\"><b data-path-to-node=\"1,2,0,0\" data-index-in-node=\"0\">Personal Use Assets &amp; Fixtures<\/b><\/span><\/td>\n<td><span data-path-to-node=\"1,2,1,0\">Depreciated Market Value Policy<\/span><\/td>\n<td>Actual Cash Value (ACV)<\/td>\n<td><span data-path-to-node=\"1,2,3,0\">Original procurement value minus a mathematical deduction for continuous usage wear.<\/span><\/td>\n<td><span data-path-to-node=\"1,2,4,0\">Household assets like furniture, fixtures, and consumer electronics drop in value over time.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"1,3,0,0\"><b data-path-to-node=\"1,3,0,0\" data-index-in-node=\"0\">Under-Construction Properties<\/b><\/span><\/td>\n<td><span data-path-to-node=\"1,3,1,0\">Construction Progress Policy<\/span><\/td>\n<td>Pro-Rata Project Schedule<\/td>\n<td><span data-path-to-node=\"1,3,3,0\">Combined cost of foundational structural building materials plus raw labor wages.<\/span><\/td>\n<td>A builder mapped structural costs at Rs 3.5 lakh for materials and Rs 1.5 lakh for site labor.<\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"1,4,0,0\"><b data-path-to-node=\"1,4,0,0\" data-index-in-node=\"0\">New Infrastructure &amp; Buildings<\/b><\/span><\/td>\n<td><span data-path-to-node=\"1,4,1,0\">Reinstatement Value Policy <i data-path-to-node=\"1,4,1,0\" data-index-in-node=\"27\">(RVP)<\/i><\/span><\/td>\n<td>Current Market Replacement Cost<\/td>\n<td><span data-path-to-node=\"1,4,3,0\">Payout reflects the full market price of a new property plus any structural asset appreciation.<\/span><\/td>\n<td><span data-path-to-node=\"1,4,4,0\">Insurers recommend reinstatement terms to absorb post-disaster inflation without out-of-pocket costs.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The cost schedule as offered by Harish:<\/p>\n<ul>\n<li>Material (including cement, sand, bricks, rebar, water, etc.) per floor: Rs. 350,000<\/li>\n<li>Material cost will not include the cost of loose earth used in construction.<\/li>\n<li>Labor cost per floor: Rs. 150,000 (30 Labourers employed for 30 days)<\/li>\n<\/ul>\n<p>If a portion of the building is damaged, the insurer will club the costs and cover the repair cost as per this schedule, pro-rated for the partial damage.<\/p>\n<p>This way, Harish will be indemnified for the cost, and he\u2019ll not make any profit out of insurance.<\/p>\n<h3 data-path-to-node=\"6\">Frequently Asked Questions (FAQs)<\/h3>\n<h4 data-path-to-node=\"7\"><b data-path-to-node=\"7\" data-index-in-node=\"0\">1. How do underwriters calculate the estimation of indemnity under a fire insurance policy?<\/b><\/h4>\n<p data-path-to-node=\"7\"><strong>A)<\/strong> The estimation of indemnity is computed by evaluating the financial state of the asset immediately before the disaster occurred. To ensure the policyholder does not turn a disaster into a profit, adjusters determine payouts based on six key criteria: ownership of the asset at the time of the accident, the legal liability of the insured, the market value of the asset, depreciation, the pre-agreed contract value, and the original cost of purchase.<\/p>\n<h4 data-path-to-node=\"8\"><b data-path-to-node=\"8\" data-index-in-node=\"0\">2. What is the difference between cost value and market value when insuring retail stock in trade?<\/b><\/h4>\n<p data-path-to-node=\"8\"><strong>A)<\/strong> For standard trading inventories, a fire policy provides protection based on the baseline cost value rather than the consumer retail price. The underwriter evaluates the cost value, which is the price paid by the business to buy these things from the suppliers. Because the owner is trading items to make a living rather than consuming them, this standard prevents them from collecting retail profit margins on unearned sales.<\/p>\n<h4 data-path-to-node=\"9\"><b data-path-to-node=\"9\" data-index-in-node=\"0\">3. How does depreciation impact the claim settlement for personal use office fixtures and appliances?<\/b><\/h4>\n<p data-path-to-node=\"9\"><strong>A)<\/strong> Assets held for continuous corporate or personal consumption\u2014such as furniture, interior fixtures, and office electronic items\u2014naturally lose value due to operational wear and tear. When a fire claim is filed, the insurance adjuster calculates a penalty by accounting for the depreciation for the time the items have been in use, subtracting this aging value from the original procurement invoice to find the final actual cash value.<\/p>\n<h4 data-path-to-node=\"10\"><b data-path-to-node=\"10\" data-index-in-node=\"0\">4. Why do general insurance advisors recommend a reinstatement value policy for active construction sites?<\/b><\/h4>\n<p data-path-to-node=\"10\"><strong>A)<\/strong> Building costs are highly vulnerable to market inflation and sudden supply chain disruptions. Advisors recommend purchasing a reinstatement value policy so the builder does not have to incur any extra cost if the structure gets damaged. This setup ensures that if a fire destroys a half-completed structure, the carrier pays the current market price to rebuild it from scratch, absorbing subsequent material and labor price hikes.<\/p>\n<h4 data-path-to-node=\"11\"><b data-path-to-node=\"11\" data-index-in-node=\"0\">5. Which cost elements are included when calculating indemnity for an under construction property?<\/b><\/h4>\n<p data-path-to-node=\"11\"><strong>A)<\/strong> When evaluating a structural claim for a building currently under construction, the adjuster combines the direct material expenses with field labor wages according to a pre-filed construction schedule. The calculation includes certified materials like cement, sand, bricks, and rebar, along with itemized labor costs, but explicitly excludes secondary, non-structural site elements like loose earth modifications.<\/p>\n<h4 data-path-to-node=\"12\"><b data-path-to-node=\"12\" data-index-in-node=\"0\">6. Can a policyholder collect a fire claim payout if they lose ownership of the asset before the fire?<\/b><\/h4>\n<p data-path-to-node=\"12\"><strong>A)<\/strong> No, a claim will face immediate rejection if the policyholder cannot prove continuous, valid insurable interest. The entire estimation framework relies on two static foundational rules: the insured must maintain ownership of the asset at the time of the accident and hold direct legal liability for the property. If the asset is sold or transferred before the blaze, the right to indemnity terminates.<\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"How do underwriters calculate the estimation of indemnity under a fire insurance policy?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"The estimation of indemnity is computed by evaluating the financial state of the asset immediately before the disaster occurred. To ensure the policyholder does not turn a disaster into a profit, adjusters determine payouts based on six key criteria: ownership of the asset at the time of the accident, the legal liability of the insured, the market value of the asset, depreciation, the pre-agreed contract value, and the original cost of purchase.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is the difference between cost value and market value when insuring retail stock in trade?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"For standard trading inventories, a fire policy provides protection based on the baseline cost value rather than the consumer retail price. The underwriter evaluates the cost value, which is the price paid by the business to buy these things from the suppliers. 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This setup ensures that if a fire destroys a half-completed structure, the carrier pays the current market price to rebuild it from scratch, absorbing subsequent material and labor price hikes.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Which cost elements are included when calculating indemnity for an under construction property?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"When evaluating a structural claim for a building currently under construction, the adjuster combines the direct material expenses with field labor wages according to a pre-filed construction schedule. 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If the asset is sold or transferred before the blaze, the right to indemnity terminates.\"\n      }\n    }\n  ]\n}\n<\/script><\/p>\n<h4><b>About The Author<\/b><\/h4>\n<p><strong>Shivani<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">MBA Insurance and Risk<\/span><\/p>\n<p><span style=\"font-weight: 400;\">She has a passion for property insurance and a wealth of experience in the field, Shivani has been a valuable contributor to SecureNow for the past six years. As a seasoned writer, they specialize in crafting insightful articles and engaging blogs that educate and inform readers about the intricacies of property insurance. <\/span><span style=\"font-weight: 400;\">She brings a unique blend of expertise and practical knowledge to their writing, drawing from her extensive background in the insurance industry. Having worked in various capacities within the sector, she deeply understands the challenges and opportunities facing property owners and insurers alike.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The principle of indemnity ensures that there is no profit to the insured after the claim, and he\/she only retains his\/her financial position as it was before the loss. Estimation of indemnity will consider all the ways and methods to ensure this application in every insurance contract, including fire Insurance. Key Takeaways The Core Anti-Profit [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"_lmt_disableupdate":"no","_lmt_disable":"no","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[6],"tags":[45,193],"class_list":["post-1098","post","type-post","status-publish","format-standard","hentry","category-property-insurance","tag-fire-insurance","tag-property-insurance"],"acf":[],"modified_by":"SecureNow","_links":{"self":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/1098","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/comments?post=1098"}],"version-history":[{"count":18,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/1098\/revisions"}],"predecessor-version":[{"id":36523,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/1098\/revisions\/36523"}],"wp:attachment":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/media?parent=1098"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/categories?post=1098"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/tags?post=1098"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}