Property owner or policyholder
Provides incident information, authorizes work within their authority, communicates with the third-party reviewer, and makes property decisions.
Stakeholder Coordination
Recovery becomes harder when people do not know who controls which decision.
Owners, occupants, managers, contractors, carriers, lenders, consultants, attorneys, and regulators may each control different information, approvals, funds, or responsibilities.
Stakeholder Roles
Tenant or occupant
Reports conditions, provides access and contents information, and may need relocation or operating guidance.
Property manager
Coordinates access, tenants, vendors, ownership, communication, and continuity.
Mitigation contractor
Documents conditions, performs authorized stabilization work, monitors progress, and prepares records.
Repair contractor
Develops repair scope, coordinates trades, performs reconstruction, and documents completion.
Plumber or source-control trade
Identifies and repairs the immediate source when within trade scope.
recovery documentation reviewer
Investigates, documents, estimates, communicates, and supports third-party reviewer decisions.
Desk reviewer or incident record examiner
Coordinates file review, documentation, approvals, and incident record communication.
Mortgage company or lender
May control or release repair funds because of its interest in the property.
Public reviewer
May represent the policyholder in incident record preparation and negotiation where licensed and engaged.
Engineer, hygienist, or consultant
Provides specialized evaluation when technical, environmental, structural, or causation questions arise.
Attorney
Addresses legal rights, disputes, contracts, liability, or litigation when engaged.
Regulator or local authority
May oversee permits, public health, fire safety, building safety, or licensing.
Common Decision Points
Immediate access
Who can authorize entry, shutoff, demolition, or emergency work?
Occupancy
Can the property remain occupied or partially operational?
Contamination
Does the water source or environment change cleaning and material handling?
Material salvageability
Can materials remain, be selectively removed, or require replacement?
Scope ownership
Which party is responsible for common areas, units, tenant improvements, or equipment?
incident record status
Has the third-party reviewer been notified, inspected, requested records, or issued a position?
Temporary measures
Are dry-in, containment, relocation, temporary power, or phased access relevant?
Repair sequencing
What must occur before enclosure, finishes, or reopening?
Contents
Which items stay, move, clean, restore, store, or become part of a incident record inventory?
Business continuity
Which operations, rooms, units, or services must remain available?
Documentation
Which facts, photographs, logs, estimates, payments, and communications remain incomplete?
Closeout
Which repairs, payments, warranties, inspections, and unresolved items remain open?