Create, update, submit, or poll a delegated homeowners intake in a single operator-authenticated loop.

Partial homeowners intake patch containing the fullest currently known applicant and property facts you can assemble from approved operator-side context. On the first create call, intake.home must already identify whether each property is standard homeowners, condo, or landlord coverage: send both a non-rental home_ownership and a non-condo property_type for standard homeowners, property_type: condo for condo coverage, or home_ownership: owned_rental / a rented rental_status for landlord coverage. Coverage Cat rejects the first create call instead of guessing if that product-selection row is missing. This endpoint accepts partial follow-up patches after create; for a given intake's live requiredness, treat the returned schema and missing_fields[].enum as authoritative. Common eventual base requirements include home_sqft, new_purchase, the property address, home_ownership, and property_type, with state- and property-specific follow-ups returned in missing_fields. For any non-user-confirmed home value you include under intake.home[], also include a matching intake.home[].field_estimates[] row using the same object shape returned in responses. Those rows should mirror the current field value, carry an opaque provenance source, set confirmed_by_user: false, and include estimated_at; Coverage Cat will persist that value as an estimate and send the homeowner back through review before final bind in the consumer portal. Treat credit_check_authorized as the real homeowner's explicit authorization for Coverage Cat's soft credit pull on the assembled application. If the operator already collected that exact consent separately, a complete first create call may include credit_check_authorized: true. Otherwise omit or keep credit_check_authorized false until the homeowner has reviewed the assembled application and explicitly consented to the soft credit pull. Do NOT derive homeowners dwelling replacement cost from purchase price or appraised value — that field must come from a Replacement Cost Estimator or be left for Coverage Cat's carrier-side estimator to fill. Do NOT send lender-side fields (note_rate, term_months, escrow flags); Coverage Cat prices homeowners premium directly and those inputs have no effect on the intake. Optional mortgage metadata such as intake.home[].loans[].lender_name, loan_number, mortgagee_clause, and loan_effective_date may be sent when available; partial loan rows are accepted. For enum/list fields, treat the schema and missing_fields[].enum returned by this endpoint as the authoritative allowed vocabulary for the current intake state.