Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description must disclose behavioral traits. It only says 'Claim a refund', implying a state change, but does not mention side effects, permission requirements (e.g., whether the caller must match claimantAddress), irreversibility, or failure modes. The eligibility hint ('eligible') is vague and does not explain verification. This is a significant gap for a financial operation.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.