add clarifying faq and info on permissions

this pr adds a couple of sentences clarifying users need the right permission/access to create schemas when running store_failures config. 

raised in slack thread by @wusanny : https://dbt-labs.slack.com/archives/C02NCQ9483C/p1721798716164609

website/docs/reference/resource-configs/store_failures.md

@@ -12,11 +12,17 @@ Optionally set a test to always or never store its failures in the database.
 - If the `store_failures` config is `none` or omitted, the resource will use the value of the `--store-failures` flag.
 - When true, `store_failures` saves all the record(s) that failed the test only if [limit](/reference/resource-configs/limit) is not set or if there are fewer records than the limit. `store_failures` are saved in a new table with the name of the test.
 - A test's results will always **replace** previous failures for the same test, even if that test results in no failures.
-- By default, `store_failures` uses a schema named `dbt_test__audit`, but, you can [configure](/reference/resource-configs/schema#tests) the schema to a different value. 
+- By default, `store_failures` uses a schema named `dbt_test__audit`, but, you can [configure](/reference/resource-configs/schema#tests) the schema to a different value.
+  - **Note**: Ensure you have the authorization to create or access schemas for your work. To ensure that the required schemas have the correct permissions, run a sql statement in your data platform environment. For example, run the following command if using Redshift:
 
-This logic is encoded in the [`should_store_failures()`](https://github.com/dbt-labs/dbt-adapters/blob/60005a0a2bd33b61cb65a591bc1604b1b3fd25d5/dbt/include/global_project/macros/materializations/configs.sql#L15) macro.
+```sql
+create schema if not exists dev_username_dbt_test__audit authorization username;
+```
+_Replace `dev_username` with your specific development schema name and `username` with the appropriate user who should have the permissions._
 
+This command grants the appropriate permissions to create and access the `dbt_test__audit` schema, which is often used with the `store_failures` configuration.
 
+This logic is encoded in the [`should_store_failures()`](https://github.com/dbt-labs/dbt-adapters/blob/60005a0a2bd33b61cb65a591bc1604b1b3fd25d5/dbt/include/global_project/macros/materializations/configs.sql#L15) macro.
 
 
 <Tabs
@@ -110,3 +116,20 @@ tests:
 </TabItem>
 
 </Tabs>
+
+## FAQs
+
+<detailsToggle alt_header="Receiving a 'permissions denied for schema' error"
+
+If you're receiving a `Adapter name adapter: Adapter_name error: permission denied for schema dev_usernamea_dbt_test__audit`, this is most likely due to your user not having permission to create new schemas, despite having owner access to your own development schema.
+
+To resolve this, you need proper authorization to create or access custom schemas. Run the following SQL command in the data platform environment:
+
+```sql
+create schema if not exists dev_username_dbt_test__audit authorization username;
+```
+_Replace `dev_username` with your specific development schema name and `username` with the appropriate user who should have the permissions._
+
+This command grants the appropriate permissions to create and access the dbt_test__audit schema, which is often used with the store_failures configuration.
+
+</detailsToggle>