Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full disclosure burden and does so exceptionally. It reveals the cost per property, authentication requirement, the fact that it delegates to assess_property_hazard, and the exact JSON return structure. It also explicitly states 'no invented portfolio-level risk score', setting honest expectations about limitations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.