Consumer intake patch and submit
consumer_intake_patchPatch 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 submit/update tool stays in the default consumer-operated MCP subset; do not switch to delegated tools when no operator bearer key is present. For homeowners, use intake to add context-backed or property-backed answers while keeping the user out of a questionnaire until the one-time review. After a homeowners application is submitted, this same tool can also answer insurer or shopper follow-up surfaced under conversation.messages by sending message_reply and, when Coverage Cat returned one, reply_to_message_id. For umbrella, use the staged review turn to send only the explicitly missing shopper-owned details plus any corrections to reviewed facts, and set confirm_submission only on that same final review confirmation. Use canonical consumer umbrella keys such as address.street, address.city, address.state, address.zip, license_state, license_number, approximate_asset_value or net_worth_numeric, desired_coverage_limit, required_coverage_e_limit, and vehicle_count or umbrella_details.motorized_vehicle_count for umbrella counts. Avoid top-level street/city/state/zip, drivers_license_state, drivers_license_number, net_worth, or desired_umbrella_liability_limit. 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. Do not send vehicles rows on this pre-submit patch; actual vehicle details stay in the later bind-stage flow if a selected offer requires them. Normalize shopper birthdays from MM-DD-YYYY to YYYY-MM-DD before you send them. Recover context-backed answers before you depend on Coverage Cat's estimated review card, tell the user the application is not submitted yet until you actually submit it, present gathered details or remaining items as short labeled bullets or sections rather than a prose paragraph, and 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]. Do not ask for umbrella credit consent here.
Input Schema
| Name | Required | Description | Default |
|---|---|---|---|
| uid | Yes | ||
| intake | No | Top-level intake edits. For umbrella, send only missing shopper-owned details, corrections, or canonical umbrella count fixes such as umbrella_details.motorized_vehicle_count. Do not send vehicles rows on this pre-submit patch. current_auto_coverages is a banded enum, not free text: send one of unsure for I'm not sure; 500k/1m for $500k/$1 Million/$100k or higher; 500k/500k for $500k/$500k/$100k or $500k CSL; 300k/300k for $250k/$500k/$100k or $300k/$300k/$100k or $300k CSL; 100k/300k for $100k/$300k/$100k or lower. Coverage Cat rejects the shopper's raw limits, so translate them into the strongest band those limits fully satisfy. Underlying auto limits gate umbrella eligibility, so reserve unsure for limits the shopper genuinely does not know rather than using it to skip the translation. | |
| message_reply | No | Homeowners post-submit only. Send the reply text Coverage Cat should deliver in-thread when consumer_intake_issues surfaced an insurer or shopper follow-up under conversation.messages. | |
| field_estimates | No | Umbrella-only estimate metadata for inferred values included in the same patch. Omit it unless you are certain each field path matches a current umbrella review field. | |
| idempotency_key | No | Optional retry key for consumer_intake_patch. If you retry after a timeout or transport failure, resend the identical arguments with the same idempotency_key. Coverage Cat replays the cached successful result for 24 hours and rejects a changed payload under the same key. | |
| confirm_submission | No | Set true only on the single final review turn. | |
| intake_access_token | No | Optional 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. | |
| reply_to_message_id | No | Optional homeowners post-submit target from conversation.messages[].message_id when Coverage Cat returned a specific message to answer in-thread. |
Output Schema
| Name | Required | Description | Default |
|---|---|---|---|
| uid | Yes | Coverage Cat intake uid for the current handoff. | |
| line | No | ||
| offers | No | ||
| policy | No | ||
| review | No | Structured review card or selected-offer review block. | |
| schema | No | Supplemental schema hints for homeowners review payloads. | |
| status | Yes | ||
| sandbox | No | True when Coverage Cat is returning consumer sandbox test data rather than a live shopper workflow. | |
| support | No | ||
| uploaded | No | ||
| documents | No | ||
| expires_at | No | When the current consumer handoff expires. | |
| offers_url | No | Coverage Cat browser URL for the selected offer or offer-tracking page. | |
| payment_ui | No | ||
| next_action | No | A structured hint for the next allowed tool or endpoint action. | |
| payment_url | No | Coverage Cat browser URL for secure payment fallback. | |
| post_choose | No | Structured post-choose state after a quoted umbrella offer is selected. | |
| conversation | No | ||
| review_items | No | ||
| review_token | No | Opaque review token for delegated review-style submit paths. | |
| detail_status | No | ||
| known_summary | No | Structured facts Coverage Cat can safely summarize at this stage. | |
| next_question | No | The current shopper-owned question bundle or bind-stage question. | |
| offer_summary | No | ||
| payment_setup | No | ||
| preview_token | No | Opaque bind-preview token for the next homeowners bind confirmation. | |
| missing_fields | No | Structured missing-value hints for homeowners pre-submit review. | |
| payment_status | No | ||
| pending_fields | No | Structured missing-value hints for umbrella pre-submit review. | |
| selected_offer | No | ||
| uploaded_count | No | ||
| field_estimates | No | ||
| service_preview | No | ||
| service_request | No | ||
| purchase_preview | No | ||
| response_summary | No | ||
| review_estimates | No | ||
| service_requests | No | ||
| agent_instructions | No | ||
| poll_after_seconds | No | ||
| selection_guidance | No | Guidance for completing an offer choice in one shopper-facing reply. | |
| compare_details_url | No | Coverage Cat browser URL for compare-details follow-up. | |
| intake_access_token | No | Short-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_channel | No | ||
| user_action_required | No | ||
| application_submitted | No | ||
| required_upload_types | No | ||
| credit_consent_question | No | ||
| payment_collection_supported | No |