What does a sufficiency decision look like on a storm damage insurance claim?

A home insurer receives CLAIM-3391 for storm damage to a roof. The claimant attached two photos, a builder's quote for $14,200 and a policy number. A claims assessor opens the case and checks it against the requirements for roof damage claims over $10,000: photos, a quote, proof of ownership, and a statement of the date and cause of loss.

The quote is present, but it is unsigned and undated. The photos carry no metadata that places them near the date of loss. No ownership proof or loss statement is attached, though the policy record on file already covers ownership for this address.

The assessor decides the pack is not sufficient. Ownership is satisfied from the policy record, so it is not requested. The assessor sends one request listing three items: a signed and dated quote, a short statement of the date and cause of loss, and the original photo files. The case moves from Received to Awaiting Information and the assessment clock pauses.

Seven days later the claimant replies with the statement and original photos but not the signed quote. The case stays open and a second, narrower request goes out for the quote alone.

**What it teaches** - Sufficiency is measured against a rule and against records already held, not against a flat checklist. - Requests should name only the gaps; asking again for ownership proof would be a failure. - The status change and paused clock are state an environment can check. - A partial reply creates a new decision rather than closing the old one.