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Coverage Cat

Consumer intake follow-up status

consumer_intake_issues
Read-onlyIdempotent

Continue a consumer-prefill homeowners or umbrella handoff in chat. Coverage Cat prefers to keep follow-up authorization in the hidden MCP shopper session after prefill, so a preserved host usually only needs uid. If your host cannot preserve that MCP session state, retry this same MCP follow-up tool with the latest intake_access_token from the previous successful Coverage Cat response instead of dropping to raw HTTP or asking the shopper for credentials. This follow-up tool stays in the default consumer-operated MCP subset; do not jump to delegated tools when no operator bearer key is present. Before submission, say explicitly that the application is not submitted yet. Present gathered details, review facts, and remaining items as short labeled bullets or sections rather than a prose paragraph. If any shown value is estimated, mark each estimated bullet label or value with *, include the short note * = estimated once above and once below the list, and do not prefix every estimated line with [Estimated]. For homeowners, treat missing_fields as a hidden enrichment backlog, keep recovering core shopper and occupancy facts from user-controlled context, and reserve one final review turn. After submission, homeowners may also return conversation.messages, conversation.reply_pending, and reply_to_message_id so the agent can answer insurer or shopper follow-up in the same chat loop with consumer_intake_patch. For umbrella, keep missing fields hidden until Coverage Cat stages the single pre-submit review turn, then ask only for the explicitly missing shopper-owned fields in next_question and invite corrections to the reviewed facts instead of asking the shopper to re-key reviewed values before reading structured quotes and post-choose states. If the staged review shows a wrong estimated umbrella count from context, patch the canonical umbrella_details.* count field before you show the final review. Coverage Cat will not resume or expose a prior consumer umbrella draft based on email alone. Continue an existing consumer draft only through the issued uid plus the current hidden MCP session or latest intake_access_token handoff. Normalize shopper birthdays from MM-DD-YYYY to YYYY-MM-DD before you patch Coverage Cat.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
uidYes
intake_access_tokenNoOptional bearer fallback for this same MCP follow-up tool when your host cannot preserve Coverage Cat's hidden shopper session. Reuse the latest token from the previous successful Coverage Cat response and never show it to the shopper.

Output Schema

TableJSON Schema
NameRequiredDescriptionDefault
uidYesCoverage Cat intake uid for the current handoff.
lineNo
offersNo
policyNo
reviewNoStructured review card or selected-offer review block.
schemaNoSupplemental schema hints for homeowners review payloads.
statusYes
sandboxNoTrue when Coverage Cat is returning consumer sandbox test data rather than a live shopper workflow.
supportNo
uploadedNo
documentsNo
expires_atNoWhen the current consumer handoff expires.
offers_urlNoCoverage Cat browser URL for the selected offer or offer-tracking page.
payment_uiNo
next_actionNoA structured hint for the next allowed tool or endpoint action.
payment_urlNoCoverage Cat browser URL for secure payment fallback.
post_chooseNoStructured post-choose state after a quoted umbrella offer is selected.
conversationNo
review_itemsNo
review_tokenNoOpaque review token for delegated review-style submit paths.
detail_statusNo
known_summaryNoStructured facts Coverage Cat can safely summarize at this stage.
next_questionNoThe current shopper-owned question bundle or bind-stage question.
offer_summaryNo
payment_setupNo
preview_tokenNoOpaque bind-preview token for the next homeowners bind confirmation.
missing_fieldsNoStructured missing-value hints for homeowners pre-submit review.
payment_statusNo
pending_fieldsNoStructured missing-value hints for umbrella pre-submit review.
selected_offerNo
uploaded_countNo
field_estimatesNo
service_previewNo
service_requestNo
purchase_previewNo
response_summaryNo
review_estimatesNo
service_requestsNo
agent_instructionsNo
poll_after_secondsNo
selection_guidanceNoGuidance for completing an offer choice in one shopper-facing reply.
compare_details_urlNoCoverage Cat browser URL for compare-details follow-up.
intake_access_tokenNoShort-lived follow-up bearer. On REST, send it back as Authorization for the next `/api/intake/{uid}` call. On MCP, retry the same follow-up tool with this token only when your host cannot preserve Coverage Cat's hidden shopper session. Never display it to the shopper.
notification_channelNo
user_action_requiredNo
application_submittedNo
required_upload_typesNo
credit_consent_questionNo
payment_collection_supportedNo

Schema Changelog

Changes observed during successful MCP inspections.

  1. First observed

TDQS

A3.5/5.0
Behavior4/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

Annotations already declare readOnlyHint=true, idempotentHint=true, openWorldHint=false, so the safety profile is covered. The description adds genuinely useful behavior beyond that: session-state preservation requirements, the token fallback path, that drafts are not resumable by email alone, and the consumer-operated subset constraint. Some mutating language ("patch the canonical umbrella_details.* count field") is ambiguous about whether this tool writes, but it is generally attributed to consumer_intake_patch.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness2/5

Is the description appropriately sized, front-loaded, and free of redundancy?

A single sprawling paragraph mixes this tool's behavior with policy that belongs to consumer_intake_patch (patching counts), homeowners vs umbrella turn rules, birthday normalization, and estimated-value formatting. The purpose is front-loaded, but the bulk is dense, hard to scan, and only partially relevant to invoking this tool.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness3/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

An output schema exists, so return values need not be described, and annotations cover safety. But the description is bloated with tangential policy while still leaving the boundary between this tool and consumer_intake_patch ambiguous, and it never clarifies what the follow-up/status result actually contains. Adequate but muddled for the complexity involved.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters4/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema coverage is only 50% (uid has no schema description), so the description must compensate, and it largely does: it explains that uid alone suffices when the host preserves the session, and that intake_access_token is the fallback reusing the latest token without showing it to the shopper. What 'uid' actually is (an issued draft identifier) is only implied, so it is not fully self-contained.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose3/5

Does the description clearly state what the tool does and how it differs from similar tools?

The first sentence gives a workable verb+resource ("Continue a consumer-prefill homeowners or umbrella handoff in chat"), and it does name sibling tools (consumer_intake_patch, delegated tools) to differentiate. However, the name/title ("intake_issues", "follow-up status") imply a read/reporting tool while the body describes continuing a handoff and staging reviews, leaving the core purpose fuzzy. An agent can guess the intent but not cleanly state what this tool returns or does.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines4/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

It gives concrete when-to-use and when-not guidance: prefer the preserved hidden MCP session with only uid, retry with the latest intake_access_token rather than falling back to raw HTTP or asking the shopper for credentials, and stay in the default consumer MCP subset instead of jumping to delegated tools when no operator bearer key is present. It also names alternatives (raw HTTP, delegated tools, consumer_intake_patch). It stops short of a crisp decision rule for every case.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

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