Loading...
Loading...
National Restoration Property Group advocates for policyholders exclusively. Not insurers. Not preferred vendors. End-to-end claim management from first contact through settlement.
National Restoration Property Group (NRPG) is Australia's property restoration claims advocacy platform. NRPG operates nationally, connecting distressed policyholders with IICRC-certified restoration contractors and expert claims advocates to manage the entire property damage claim lifecycle — from first contact through final settlement.
Insurance-backed claim processors (like BELFOR, APM) work for the insurer. Builders work for contractors. No one advocates for the policyholder as their primary stakeholder. NRPG exists to fix this.
“Who First” — the NRPG principle
Policyholder first, always. No hidden insurer relationships. No secret deals. No steering toward preferred contractors. The policyholder knows what NRPG is being paid and approves it before work begins.
NRPG Action
Assign dedicated claims advocate, notify insurer in writing (email + registered post), send policyholder confirmation with claim number and timeline.
Policyholder Action
Lodge claim via NRPG mobile app or website (~5 minutes). Approve NRPG's fee (disclosed upfront).
NRPG Action
Arrange IICRC-certified independent assessment. Assessor visits property (or video assessment if unsafe). Assessment references S500, S520, or S700. Report delivered to NRPG within 24 hours.
Policyholder Action
Provide access to property. Supply any additional evidence (receipts, pre-incident photos, maintenance records).
NRPG Action
Compile IICRC assessment, photos, inventory, receipts, BOM weather data, neighbour statements. Prepare formal written claim submission with cover letter citing damage scope, cost estimate, applicable coverage, and ACL/ICA legal framework.
Policyholder Action
Review and approve submission before it is sent.
NRPG Action
Track insurer response weekly. Chase acknowledgment within 10 business days. Respond to additional information requests. Escalate delays in writing. Update policyholder weekly.
Policyholder Action
Receive weekly updates. Be available for any insurer-requested inspection (NRPG present to represent you).
NRPG Action
If denied or underpaid: request written reasons, prepare response with new evidence, send reconsideration letter to insurer (30–50% of disputes overturned here), prepare full AFCA submission if insurer doesn't budge.
Policyholder Action
Receive clear advice on options at each stage. Approve escalation strategy.
NRPG Action
Verify payment received. Assist in selecting contractor (policyholder's choice, not insurer's preferred vendor). Provide scope of work based on IICRC assessment. Verify final completion.
Policyholder Action
Choose contractor from NRPG's network or independently. Confirm repairs meet IICRC standard.
Why it matters to claims
Defines water categories (clean, grey, black), drying procedures, and secondary damage prevention. If your insurer denies mold after water damage, S500 establishes that proper drying within 48 hours was required to prevent it.
NRPG compliance
All water damage assessments are S500-certified. NRPG contractors use S500 methodology. Disputes are supported by S500 scientific evidence.
Why it matters to claims
Distinguishes mold caused by water damage (insurable secondary loss) from mold caused by poor ventilation (not insurable). Defines proper remediation scope, containment, and verification.
NRPG compliance
All mold assessments are S520-certified. NRPG advocates for mold remediation as secondary damage to covered water loss. Ensures remediation meets S520 verification standards.
Why it matters to claims
Defines smoke damage categories, required cleaning procedures, and HVAC remediation. Prevents insurers claiming smoke odour is "cosmetic" or will "naturally dissipate." All remediation costs are claimable.
NRPG compliance
All fire/smoke assessments are S700-certified. NRPG disputes include S700 references to defend scope of work. Used to challenge HVAC cleaning denials and smoke odour misclassification.
All NRPG communication to policyholders is reviewed for accuracy. NRPG clearly states what is known (damage extent, IICRC assessment), what is likely (claim probability), and what is not guaranteed (final settlement amount). NRPG discloses fees and insurer relationships upfront.
NRPG does not pressure policyholders to accept unfavourable settlements. NRPG ensures policyholders understand their rights before any decision. NRPG advocates for the policyholder's best interests, not its own.
NRPG's terms are simple, clear, and fair. Fee is proportional to work and recovery (15–25%). No one-sided termination clauses, no confidentiality restrictions preventing policyholders seeking second opinions. Terms reviewed annually by external counsel.
No. NRPG is a claims advocacy platform. NRPG connects policyholders with IICRC-certified restoration contractors but does not perform repairs. NRPG's expertise is in claim documentation, insurer negotiation, and dispute resolution.
Only the policyholder. NRPG does not accept payments from insurers, contractors, or anyone else. NRPG is paid as a percentage of the final claim settlement (15–25%, disclosed upfront). If the claim is denied, the fee is waived.
No. NRPG is not a law firm and does not provide legal advice. NRPG provides claims advocacy — expertise in IICRC standards, claim documentation, and AFCA process. NRPG can coordinate with lawyers if needed for major claims.
An insurance broker helps you buy insurance before a loss. NRPG helps you recover after a loss. NRPG is a claims advocate, not a broker. NRPG has no ongoing relationships with insurers that would create conflicts of interest.
No. Claim outcomes depend on evidence, policy language, and insurer assessment. However, NRPG significantly improves your chances by obtaining independent IICRC assessment, documenting evidence thoroughly, using IICRC standards as leverage, and escalating to AFCA if needed.
Yes. NRPG works with every major Australian insurer and has no preferential relationships with any. NRPG advocates for the policyholder's rights regardless of which insurer they are dealing with.
IICRC-certified assessment within 48 hours. Policyholder-first advocacy from intake through settlement. No upfront fees — paid only if you recover.
Begin Claim Registration →Privacy Collection Notice: Personal information is used solely to connect you with an IICRC-certified restoration contractor and to advocate for your insurance claim. Handled by NRPG in accordance with the Privacy Act 1988 (Cth) and Australian Privacy Principles. Data is stored in Australia. Privacy Policy