disaster-recovery-domain

name	disaster-recovery-domain
description	Domain knowledge for Australian disaster recovery and restoration services. Use when working on content, service descriptions, or any feature related to the DR/NRPG business model.
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allowed-tools	WebSearch WebFetch Read Grep
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Disaster Recovery Domain Knowledge

Service Types (Australian Market)

Water Damage

• Category 1: Clean water (supply lines)
• Category 2: Grey water (washing machines, dishwashers)
• Category 3: Black water (sewage, flooding)
• Standard: IICRC S500. Certification: WRT (Cat 1-2), AMRT (Cat 3)

Fire & Smoke Damage

• Primary fire damage, secondary smoke damage, structural assessment
• Certification: FSRT (Fire & Smoke Restoration Technician)

Mould Remediation

• Visible mould, hidden mould (cavities, HVAC), air quality testing
• Standard: IICRC S520. Certification: AMRT
• Containment procedures required for areas >10 sq ft

Biohazard Cleanup

• Crime scene, deceased estate, infectious disease, hoarding
• Standards: IICRC S540, S800. Specialised training required.

Business Model (Legally Critical)

• NRPG/DR are restoration services, NOT claim advocates
• Platform facilitates matching — does NOT employ contractors
• Each contractor independently licensed, insured, IICRC-certified
• Never imply NRPG controls claim outcomes or influences insurer decisions
• This distinction is critical under Australian Consumer Law

Contractor Model

• AU/NZ network with proprietary vetting and onboarding
• Each contractor holds own insurance, licences, IICRC cert
• Competitive moat: independent verification, not employment

Insurance Integration

• Major insurers: NRMA, Suncorp, Allianz, QBE, IAG, CGU
• Claim lodgment procedures and documentation requirements
• AFCA for dispute resolution

Emergency Response Levels

• URGENT: <2 hours (active water, biohazard)
• HIGH: <4 hours (fire, mould)
• STANDARD: <24 hours (assessment)
• SCHEDULED: Pre-booked inspections