Held somewhere is not the same as available
Most schemes are not missing their contractor documents; they simply cannot produce them quickly. The certificate is in an email from two years ago, the scope was agreed verbally and confirmed in a message nobody kept, and the agent who set it up has moved on. Everything technically exists and none of it is available at the moment it is needed. An arrangement that cannot be produced is functionally the same as one that was never documented.
That moment is usually an incident, a sale, an insurance question or a new committee member asking a reasonable question. The cost of not having the documents is rarely the documents themselves; it is the delay and the impression of an arrangement nobody is on top of. Keeping a single current set with the scheme's records removes the problem entirely. A single folder held by the scheme resolves it for the life of the arrangement.
