---
title: "Read first-party assistant blockers or quote progress for a homeowners or umbrella intake."
method: GET
path: "/api/intake/{uid}/issues"
---

# Read first-party assistant blockers or quote progress for a homeowners or umbrella intake.

`GET /api/intake/{uid}/issues`

## Request

- Base URL: `https://api.coveragecat.com`
- URL: `https://api.coveragecat.com/api/intake/{uid}/issues`
- Auth: HTTP bearer

Returns a line-aware follow-up payload for a consumer-prefill homeowners or umbrella intake uid. Authenticate with `Authorization: Bearer <intake_access_token>` from the latest consumer-prefill follow-up response. Before submission, this exposes the one-time review checkpoint and any remaining missing or estimated values, and the agent should say explicitly that the application is not submitted yet before asking for anything else. Present gathered details, review facts, and remaining items as short labeled bullets or sections rather than a prose paragraph. 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]`. For homeowners, treat those missing fields as a behind-the-scenes enrichment backlog rather than a first-turn questionnaire, and keep recovering context-backed answers until the payload is ready for one review card. After submission, homeowners issue payloads can stay in `pending_quotes` or `waiting_on_carrier` for up to 48 hours; keep polling and use the returned notification-channel details to keep the registered customer email on file. When the homeowners carrier or chat thread needs another answer, Coverage Cat returns `conversation.messages`, `conversation.reply_pending`, and `conversation.reply_to_message_id` so the assistant can answer the follow-up in chat with the patch route instead of breaking out to delegated tools. Homeowners quoted offers include `selection_token`, the select step can return a `purchase_preview` plus `preview_token`, and any carrier payment or signing link will go directly to the customer's email on file rather than a first-party payment endpoint. For umbrella, Coverage Cat may keep `status: needs_more_info` while still returning a staged `review` preview plus a bundled `next_question` for the final shopper-owned review turn, so the assistant can collect details such as full name, email, phone, full address, birthday, marital status, driver's license state, driver's license number, net worth, and any corrections in one message rather than one field at a time. Once quotes are ready, `selection_guidance.same_reply_requirements` can preview small carrier-specific bind questions for a chosen offer so the shopper can answer those in the same selection reply instead of opening a second turn. 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. Coverage Cat will not resume or expose a prior consumer umbrella draft based on email alone. Continue an existing consumer draft only through the issued `uid` plus the current hidden MCP session or latest `intake_access_token` handoff. If the shopper gives a birthday in MM-DD-YYYY form, normalize it to YYYY-MM-DD before the patch call. After submission, umbrella issue payloads expose quote progress, structured umbrella offers with `selection_token`, detailed post-choose umbrella states, payment_setup details once secure Stripe collection is prepared, and a refreshed `intake_access_token` for the next direct follow-up call. For Monoline and Markel, once declarations uploads are on file, `documents_pending_review` usually advances to `payment_needed` with a secure `payment_url` within about 5-10 minutes while declarations verification continues in parallel.

## Path parameters

- `uid` string, required

## Headers

- `Coverage-Cat-API-Version` 'v1'

## Response `200`

Current first-party assistant intake status.

- IntakeAssistantResponse: REST consumer follow-up payload for the `/api/intake/{uid}` surface.
  - `poll_after_seconds` integer
  - `documents` object[]
    - `content_type` string
    - `download_url` string, uri: Short-lived browser continuation for this policy document.
    - `label` string
    - `name` string
    - `type` string
  - `payment_setup` object
    - `environment` 'test' | 'live'
    - `payment_method_types` string[]
    - `provider` string
    - `setup_intent_id` string
    - `usage` string
  - `detail_status` 'abandoned' | 'blocked' | 'bound' | 'cancelled' | 'chosen' | 'credit_consent_pending' | 'credit_consent_required' | 'dev_success' | 'documents_needed' | 'documents_pending_review' | 'email_sent' | 'in_review' | 'ineligible' | 'info_requested' | 'needs_more_info' | 'needs_more_info_to_bind' | 'no_policy' | 'no_chosen_offer' | 'no_quotes' | 'no_selection' | 'ok' | 'payment_collection_ready' | 'payment_needed' | 'pending' | 'pending_quotes' | 'queued' | 'quote_rate_limited' | 'quoted' | 'ready_for_review' | 'ready_for_submission' | 'ready_to_finalize' | 'review_pending' | 'service_preview' | 'service_requested' | 'sandbox_unsupported' | 'stale_selection' | 'verifying_documents' | 'waiting_on_carrier' | 'waiting_on_documents' | 'waiting_on_payment'
  - `required_upload_types` string[]
  - `payment_ui` object
    - `availability` 'ready' | 'unknown' | 'unsupported'
    - `fallback_reason` string
    - `mode` string
  - `uid` string, required: Coverage Cat intake uid for the current handoff.
  - `payment_url` string, uri: Coverage Cat browser URL for secure payment fallback.
  - `known_summary` object: Structured facts Coverage Cat can safely summarize at this stage.
  - `compare_details_url` string, uri: Coverage Cat browser URL for compare-details follow-up.
  - `uploaded_count` integer
  - `response_summary` string
  - `schema` object: Supplemental schema hints for homeowners review payloads.
  - `user_action_required` string
  - `expires_at` string, date-time: When the current consumer handoff expires.
  - `agent_instructions` string[]
  - `review_token` string: Opaque review token for delegated review-style submit paths.
  - `status` 'abandoned' | 'blocked' | 'bound' | 'cancelled' | 'chosen' | 'credit_consent_pending' | 'credit_consent_required' | 'dev_success' | 'documents_needed' | 'documents_pending_review' | 'email_sent' | 'in_review' | 'ineligible' | 'info_requested' | 'needs_more_info' | 'needs_more_info_to_bind' | 'no_policy' | 'no_chosen_offer' | 'no_quotes' | 'no_selection' | 'ok' | 'payment_collection_ready' | 'payment_needed' | 'pending' | 'pending_quotes' | 'queued' | 'quote_rate_limited' | 'quoted' | 'ready_for_review' | 'ready_for_submission' | 'ready_to_finalize' | 'review_pending' | 'service_preview' | 'service_requested' | 'sandbox_unsupported' | 'stale_selection' | 'verifying_documents' | 'waiting_on_carrier' | 'waiting_on_documents' | 'waiting_on_payment', required
  - `intake_access_token` string: 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.
  - `selected_offer` object
    - `address` object
      - `city` string
      - `state` string
      - `street` string
      - `zip` string
    - `annual_price` number
    - `carrier` string
    - `coverage_limit` string
    - `coverage_summary` object: Homeowners or umbrella coverage details Coverage Cat can safely summarize.
    - `deductible` number
    - `dwelling_coverage` number
    - `is_estimate` boolean
    - `minimum_auto_limits` object: Underlying auto-limit requirements for this offer.
    - `personal_liability` number
    - `policy_subtype` string
    - `policy_subtype_display` string
    - `price_range` object
      - `high` number
      - `low` number
    - `quote_number` string
    - `recommended` boolean
    - `sample_policy_url` string, uri
    - `selection_guidance` object: Offer-specific same-reply requirements and guidance.
    - `selection_token` string
    - `um_uim_selection` object: Optional excess UM/UIM election details for this offer.
  - `line` 'umbrella' | 'homeowners'
  - `support` object
    - `contact_url` string, uri: Coverage Cat support route for billing, cancellations, and quote follow-up.
    - `email` string
    - `phone` string
  - `purchase_preview` object
    - `action_summary` string
    - `approval_required` boolean
    - `carrier_conditions` string[]
    - `coverage_summary` object: Coverage details tied to the current previewed offer.
    - `effective_date` string, date
    - `effective_period` object
      - `ends_on` string, date
      - `starts_on` string, date
    - `payment_timing` string
    - `price` object
      - `annual_premium` number
      - `currency` string
      - `payment_method` string
    - `status` string
    - `uncertainty` string
  - `service_request` object
    - `action_summary` string
    - `billing_effect` string
    - `carrier_conditions` string[]
    - `coverage_effect` string
    - `details` string
    - `estimated_refund_status` 'not_applicable' | 'unknown_pending_review'
    - `final_outcome` object: Final carrier or billing outcome once Coverage Cat can confirm it.
    - `reason` string
    - `request_id` string
    - `request_type` 'policy_cancellation' | 'refund_request' | 'support_case'
    - `requested_at` string, date-time
    - `requested_effective_date` string, date
    - `status` 'pending_review' | 'completed'
    - `uncertainty` string
  - `conversation` object
    - `messages` object[]
      - `author_label` string
      - `delivery_state` 'received' | 'queued' | 'sent'
      - `direction` 'incoming' | 'outgoing'
      - `medium` 'email' | 'app' | 'sms'
      - `message_id` integer
      - `subject` string
      - `text` string
      - `timestamp` string, date-time
    - `reply_pending` boolean
    - `reply_supported` boolean
    - `reply_to_message_id` integer
    - `reply_via` string
  - `offers_url` string, uri: Coverage Cat browser URL for the selected offer or offer-tracking page.
  - `service_requests` object[]
    - `action_summary` string
    - `billing_effect` string
    - `carrier_conditions` string[]
    - `coverage_effect` string
    - `details` string
    - `estimated_refund_status` 'not_applicable' | 'unknown_pending_review'
    - `final_outcome` object: Final carrier or billing outcome once Coverage Cat can confirm it.
    - `reason` string
    - `request_id` string
    - `request_type` 'policy_cancellation' | 'refund_request' | 'support_case'
    - `requested_at` string, date-time
    - `requested_effective_date` string, date
    - `status` 'pending_review' | 'completed'
    - `uncertainty` string
  - `payment_collection_supported` boolean
  - `review_estimates` object[]
  - `notification_channel` object
    - `customer_owned_inbox_required` boolean
    - `destination_hint` string
    - `events` string[]
    - `registered` boolean
    - `role` string
    - `type` string
  - `credit_consent_question` string
  - `next_action` object: A structured hint for the next allowed tool or endpoint action.
  - `application_submitted` boolean
  - `uploaded` object[]
    - `filename` string
    - `type` string
  - `review` object: Structured review card or selected-offer review block.
  - `missing_fields` object[]: Structured missing-value hints for homeowners pre-submit review.
  - `next_question` object: The current shopper-owned question bundle or bind-stage question.
  - `sandbox` boolean: True when Coverage Cat is returning consumer sandbox test data rather than a live shopper workflow.
  - `selection_guidance` object: Guidance for completing an offer choice in one shopper-facing reply.
  - `review_items` object[]
    - `description` string
    - `display_value` string
    - `enum` string[]
    - `label` string
    - `number` integer
    - `path` union[]
      - union
        - string
        - integer
    - `suggested_value` unknown
  - `payment_status` object
    - `channel` string
    - `customer_owned_inbox_required` boolean
    - `destination_hint` string
    - `payment_intent_id` string
    - `payment_method_saved_at` string, date-time
    - `provider` string
    - `state` string
    - `timing` string
  - `preview_token` string: Opaque bind-preview token for the next homeowners bind confirmation.
  - `offers` object[]
    - `address` object
      - `city` string
      - `state` string
      - `street` string
      - `zip` string
    - `annual_price` number
    - `carrier` string
    - `coverage_limit` string
    - `coverage_summary` object: Homeowners or umbrella coverage details Coverage Cat can safely summarize.
    - `deductible` number
    - `dwelling_coverage` number
    - `is_estimate` boolean
    - `minimum_auto_limits` object: Underlying auto-limit requirements for this offer.
    - `personal_liability` number
    - `policy_subtype` string
    - `policy_subtype_display` string
    - `price_range` object
      - `high` number
      - `low` number
    - `quote_number` string
    - `recommended` boolean
    - `sample_policy_url` string, uri
    - `selection_guidance` object: Offer-specific same-reply requirements and guidance.
    - `selection_token` string
    - `um_uim_selection` object: Optional excess UM/UIM election details for this offer.
  - `service_preview` object
    - `action_summary` string
    - `approval_required` boolean
    - `billing_effect` string
    - `carrier_conditions` string[]
    - `coverage_effect` string
    - `details` string
    - `estimated_refund_status` 'not_applicable' | 'unknown_pending_review'
    - `reason` string
    - `request_type` 'policy_cancellation' | 'refund_request' | 'support_case'
    - `requested_effective_date` string, date
    - `status` 'preview'
    - `uncertainty` string
  - `post_choose` object: Structured post-choose state after a quoted umbrella offer is selected.
  - `pending_fields` object[]: Structured missing-value hints for umbrella pre-submit review.
  - `offer_summary` object
    - `cheapest_annual_premium` number
    - `cheapest_carrier` string
    - `quote_count` integer
    - `recommended_annual_premium` number
    - `recommended_carrier` string
  - `policy` object
    - `cancellation_note` string
    - `cancelled_at` string, date
    - `carrier` string
    - `confirmation_timestamp` string, date-time
    - `coverage_summary` object: Carrier-confirmed policy coverage details Coverage Cat can safely return.
    - `effective_date` string, date
    - `effective_period` object
      - `ends_on` string, date
      - `starts_on` string, date
    - `policy_number` string
    - `state` 'bound' | 'cancelled'
  - `field_estimates` object[]

## Other responses

- `400`: Unsupported line or invalid request.
- `401`: Invalid, missing, or stale intake access token.
- `404`: No intake exists for that uid.
- `429`: Too many consumer intake follow-up requests. Honor the Retry-After header before retrying, and always retry with the newest intake access token.

---

[API](https://skmtc.dev/coveragecat/apis/coverage-cat-delegated-insurance-purchase-apis.md) · [All operations](https://skmtc.dev/coveragecat/apis/coverage-cat-delegated-insurance-purchase-apis/llms.txt) · [OpenAPI document](https://skmtc.dev/coveragecat/apis/coverage-cat-delegated-insurance-purchase-apis/revisions/b80fe29790dc?raw)