An on-line RFP procurement auction system with bidder sub-auctions for both repair and salvage of damaged property, using a telecommunications network accessible by network members including requesters, repair bidders, and salvage bidders, for processing an RFP for goods and services through at least one server and operating software. The system includes a database for each category of goods and services offered or desired by network members; software for requesters to generate RFPs for goods or services that include photographic and alpha-numeric RFP data; software for transmitting the RFPs to the server; capacity for e-mail and wireless distribution of RFP notices to bidders who have requested notices within selectable categories of RFP's; capacity to enable a repair bidder to submit an encrypted bid to the server; and capacity within the server for generating a list of all responsive bids and e-mailing the same to the requester after conclusion of an auction.