Why Human Advocacy — People First, Not Algorithms | Disaster Recovery

People First, Not Algorithms

Insurers across Australia are deploying AI to triage and partially decide claims. ASIC's 2026 enforcement priorities (25-273MR) name automated decision-making in insurance as an area of regulatory focus. We are a human network of IICRC-certified contractors and advocates who work for the policyholder.

What insurer-side AI does

• Auto-triages claims as "low" or "high" severity
• Generates first-instance scope and dollar estimates
• Flags claims for human review only above thresholds
• Optimises insurer settlement cost across the portfolio

What human advocacy does

• Reviews the policy schedule against the actual loss
• Documents site conditions for supplementary claims
• Provides IICRC-certified scope of work
• Works for the policyholder, not the insurer

Why this matters now

ASIC has confirmed insurance pricing and claims handling sit inside its 2026 enforcement priorities. The Australian Financial Complaints Authority (AFCA) has published several determinations in 2025-26 where automated insurer triage produced outcomes inconsistent with the policy wording. Policyholders facing a disputed or under-scoped claim can request human review under the General Insurance Code of Practice.

How we help

Every contractor in the network is human, IICRC-certified, and produces site documentation that supports a policyholder during a dispute. We do not work for insurers and do not take referral fees from them.

Privacy notice: National Restoration Professionals Group Pty Ltd (ABN 85 151 794 142), trading as Disaster Recovery, collects your name, contact details, and property information when you lodge a claim to match you with a certified IICRC restoration contractor. Personal information is disclosed to the assigned contractor and processed under the Privacy Act 1988 (Cth). It is not sold or shared for marketing purposes. Privacy Policy. Complaints may be lodged with the OAIC at oaic.gov.au.