Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given the tool's moderate complexity (3 parameters, one nested object) and the absence of an output schema, the description adequately states the input (proposed clauses) and output (risk score + deal-breakers). It does not explain how the location parameters (ward, chochou) factor into the assessment, nor does it mention any prerequisites, but the schema covers the parameters and the purpose is clear. Considering the sibling landscape, it could benefit from noting when to use this versus 'assess_property_risk', but that is already covered under usage guidelines. Overall, it is complete enough for an agent to call it correctly, so a 4 is justified.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.