The decision that has to exist before the emergency
Every scheme discovers this the same way. Something urgent happens, someone acts sensibly, and an invoice arrives that nobody formally approved. The work needed doing and the person who arranged it was right, but the scheme has no record of an authorisation and the treasurer has an awkward item to explain at the next meeting. It is entirely avoidable. Everyone involved acted reasonably and the scheme still ends up with a problem.
A delegated limit settles it in advance. The committee decides who may authorise urgent work, up to what value, and what must wait or be escalated. That decision takes five minutes at a meeting and it holds for years. It also protects the individual, who is otherwise exposed for having made a call the scheme had never asked them to make. It is one of the cheapest pieces of governance a scheme can put in place.
