1---2name: disaster-recovery-domain3description: 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.4---56# Disaster Recovery Domain Knowledge78## Service Types (Australian Market)910### Water Damage11- Category 1: Clean water (supply lines)12- Category 2: Grey water (washing machines, dishwashers)13- Category 3: Black water (sewage, flooding)14- Standard: IICRC S500. Certification: WRT (Cat 1-2), AMRT (Cat 3)1516### Fire & Smoke Damage17- Primary fire damage, secondary smoke damage, structural assessment18- Certification: FSRT (Fire & Smoke Restoration Technician)1920### Mould Remediation21- Visible mould, hidden mould (cavities, HVAC), air quality testing22- Standard: IICRC S520. Certification: AMRT23- Containment procedures required for areas >10 sq ft2425### Biohazard Cleanup26- Crime scene, deceased estate, infectious disease, hoarding27- Standards: IICRC S540, S800. Specialised training required.2829## Business Model (Legally Critical)30- NRPG/DR are restoration services, NOT claim advocates31- Platform facilitates matching — does NOT employ contractors32- Each contractor independently licensed, insured, IICRC-certified33- Never imply NRPG controls claim outcomes or influences insurer decisions34- This distinction is critical under Australian Consumer Law3536## Contractor Model37- AU/NZ network with proprietary vetting and onboarding38- Each contractor holds own insurance, licences, IICRC cert39- Competitive moat: independent verification, not employment4041## Insurance Integration42- Major insurers: NRMA, Suncorp, Allianz, QBE, IAG, CGU43- Claim lodgment procedures and documentation requirements44- AFCA for dispute resolution4546## Emergency Response Levels47- URGENT: <2 hours (active water, biohazard)48- HIGH: <4 hours (fire, mould)49- STANDARD: <24 hours (assessment)50- SCHEDULED: Pre-booked inspections