> ## Documentation Index
> Fetch the complete documentation index at: https://developers.vivara.io/llms.txt
> Use this file to discover all available pages before exploring further.

# FAQ

> Answers to common questions about tenant scoring and non-payment insurance.

## Tenant scoring

> [accordion] Can I score a candidate without their ID number?
>
> Yes. With the declared monthly income, you get a solvency result at the
> Basic tier. The delinquency check needs the ID number and postal code, so it
> runs once you add them.

> [accordion] Do I need documents to score a candidate?
>
> No. Documents are optional. They move the score to the Accredited tier, but
> they do not change the results. See [Confidence
> tiers](https://developers.vivara.io/tenant-scoring/confidence-tiers.md).

> [accordion] What does OK at the limit mean?
>
> The candidate is solvent, but the share of their income that goes to the
> rent is close to the limit: between 35% and 40%. See [How the score
> works](https://developers.vivara.io/tenant-scoring/how-the-score-works.md#solvency).

> [accordion] How do I score several people who rent together?
>
> Send them in the same application. Solvency uses their combined income, and
> delinquency is checked for each person. See [Candidates who rent
> together](https://developers.vivara.io/tenant-scoring/how-the-score-works.md#candidates-who-rent-together).

> [accordion] Does a good score guarantee the policy?
>
> No. The score helps you prioritize candidates. The insurer runs its own
> checks when you ask for a quote and when you request the policy.

## Non-payment insurance

> [accordion] Who does the policy protect?
>
> The landlord. The policy is taken out for the landlord's property, and the
> landlord is the policyholder. The insurer assesses the tenants and
> guarantors who will rent it.

> [accordion] Do I need to score the tenant again before asking for a quote?
>
> No. You need the data the quote asks for, including the tenant's ID number.
> See [Get a quote](https://developers.vivara.io/non-payment-insurance/get-a-quote.md).

> [accordion] Do I need documents to get a quote?
>
> No. A quote needs data only. The case lists the documents the insurer
> requires, and you upload them afterwards. See [Provide pending
> documents](https://developers.vivara.io/non-payment-insurance/pending-documents.md).

> [accordion] Why is income annual in the quote and monthly in the score?
>
> The insurer works with annual income, while the tenant score uses monthly
> income. Send each one in the unit the endpoint asks for.

> [accordion] What happens if I repeat the call that opens a case?
>
> A case id that was already used answers `409 case-already-exists`, whatever
> the data. After a timeout, read the case: if it answers `404` it was not
> opened and you can send the same id again. See [Get a
> quote](https://developers.vivara.io/non-payment-insurance/get-a-quote.md#if-the-call-times-out).

> [accordion] Do uploaded documents change the offer?
>
> No. Documents are stored and sent to the insurer when you issue the policy,
> so the offer you got with the quote does not change.

> [accordion] How long does the review take?
>
> It depends on the offer. If the insurer needs to review a conditioned offer,
> the case stays in `policy-requested` until it decides. Poll the case to
> follow it.

> [accordion] Can I cancel a case?
>
> Not once the issuance has been requested: wait for the insurer's decision.
> Any change after that point needs a new case. See [Request the
> policy](https://developers.vivara.io/non-payment-insurance/request-the-policy.md).

> [accordion] How do I know the policy has been issued?
>
> Poll the case. The insurer does not send a notification. Once the status is
> `policy-issued`, the policy number and the policy documents are available.


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