Employee's Salary a Continuing Operating Expense

Who decides which employees and their payroll remain during the period of restoration?

The insured owns a ski lodge in the mountains. A water line broke, flooding the place for days. This was just about the time the insured's employee was going to open the lodge for the season. The building is snowed in and no work can begin on the damage. The employee has no home, he moves from place to place the insured owns (B&Bs). She really has no need for him until the ski lodge can be opened. She wants his salary paid, as well as his lodging and food.