# Disaster Recovery Insurance companies are a critical point of failure. If an insurer cannot cover obligations: * Asset holders receive Network Debt Tokens (NDT) matching their realized loss. * NDTs are redeemable monthly against the Disaster Recovery Fund (DRF) at a 1:1 ratio with **$ASSET**. * The DRF is financed by redirecting a portion of inflation rewards from business function validators. * No net additional inflation is introduced, avoiding systemic risks similar to Terra’s collapse. * NDTs expire two years after issuance to prevent perpetual liabilities. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://realfinance.gitbook.io/docs/onboarding/disaster-recovery.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.