Error and Offering Codes Table
There are several different types of error codes that can come back from API calls. The two categories are “4-digit error codes” and “5-digit error codes”. 4-digit errors are ones that prevent Branch from returning a price because of an absence of information. In order to overcome a 4-digit error code, you must resubmit a requestQuote call with more information (see the table for what specific information to provide) in order to move forward. A 5-digit error code is (mostly; see next paragraph) one where Branch is not able to offer a certain policy for a particular reason.
There are two 5-digit error codes that are similar to 4-digit error codes: 50001, which means that Branch did not find any vehicles, and so Branch can’t offer auto insurance; and 50006, which means that Branch did not find enough home characteristics. If you wish to overcome these cases (you may not; this may be a renter in an apartment building just looking for auto insurance), they need to be overcome in the same way you overcome the 4-digit error codes, by resubmitting a requestQuote call with additional information (a VIN or home characteristics, respectively).
The 4-digit error codes will show in actual error messages. You can generate one by calling requestQuote with improper information (don’t use the test data universe, just use random information). Additionally, you may get a 4-digit error code in response not only to requestQuote, but also to recalculateQuote calls, if the requested changes trigger a particular error.
The 5-digit error codes will show in the offer.quote.offerings type, as rejection codes for why Branch is not offering particular types of policies.
| Code(s) | Description | Underwriting Hold? (RequestQuoteV2 Only) |
|---|---|---|
| 4000, 4001 | Generic / not-easily-classified error. Sometimes returned on invalid input that is not easily identified or expected. | |
| 4002, 5014 | One of the data services that Branch relies upon is not available. | |
| 4003, 5017, 5026 | Branch is not selling insurance in the requested state via this API | |
| 5001 | Could not find name and address combination in databases; submit prior address (which could be current address if insured is buying a new home) | |
| 5002 | Could not find name/address/prior address combination in databases; submit date of birth and it will be possible to proceed | |
| 5003, 5008 | Could not find current auto insurance details; submit all auto insurance details in the QuoteInput type to get a price | |
| 5004, 50006 | Could not find home details; submit all home characteristics in the HomeDetailsInput type to get a homeowners price | |
| 5005, 5006, 5009, 5010, 50001 | Could not find any valid vehicles; submit VIN to get an auto price | |
| 5011 | Address is currently in a moratorium location and not available for insurance at the moment. | |
| 5027 | Unfortunately, we are unable to give you a price at this time | |
| 5012, 5015, 5016 | Need primary insured’s driver’s license state and number to proceed | |
| 5013 | We do not accept PO Box addresses; need to resubmit with a real property address | |
| 5014 | Rater error | |
| 5018 | Fee engine error | |
| 5019, 5021 | Request triggered suspicious-looking-activity rules | |
| 5020 | Request lacked enough valid information to proceed | |
| 5022 | Past prior-customer history requires speaking to Branch member support | |
| 5023 | Need lat/lng to proceed for a home price | |
| 5024 | Invalid zip code | |
| 5025 | Need apt/unit number | |
| 5032 | Unable to offer an options on the initial requestQuote(RC1) call; you should re-call requestQuote with different details if trying to cure | |
| 5033 | Tried to recalculate a quote that had no options (was not eligible for anything from Branch); please start from scratch | |
| 5034 | This quote returned with an auxiliary auto rate, we are unable to offer a quote at this time. | |
| 5035 | We block simultaneous requests for the same name and address. Please wait 30 seconds and try again, and do not double-click to submit. | |
| 10009, 10010, 10011, 10012 | Property claims history makes the home ineligible for Branch | |
| 10013, 10014, 10015, 10016, 20001, 20002, 20003, 20004 | Driver(s) claims and violations history makes the auto ineligible for Branch | |
| 50002 | Square footage is more than Branch will write for homeowners | |
| 50003 | Occupant count is more than Branch will write for homeowners | Yes |
| 50004 | The car-to-driver ratio is more than Branch will write for auto | Yes |
| 50005 | The home was built before Branch’s threshold for this state. | |
| 50007 | No prior / not recent enough auto insurance | Yes |
| 50008 | Branch will not write EIFS | Yes |
| 50009 | Branch will not write homes on stilts | Yes |
| 50010 | Branch will not write wood roofs | Yes |
| 50011 | Replacement cost estimate is below what Branch will write | Yes |
| 50012 | Replacement cost estimate is above what Branch will write | Yes |
| 50013, 50028 | Branch will not write homes with this fire protection class in this state | |
| 50014 | No fire protection class found on property | |
| 50015 | Driver count is more than Branch will write on a single policy | |
| 50016 | Car count is more than Branch will write on a single policy | |
| 50018 | Property is in a coastal location that Branch does not write | |
| 50019 | Did not receive Fireline score (in a state with significant wildfire risk) | |
| 50020 | Fireline score (in states with significant wildfire risk) was too high | |
| 50021 | Fireline score, in combination with the fire protection class, was too high | |
| 50022 | Did not receive distance-to-coast and need it for eligibility | |
| 50023 | Ineligible distance-to-coast | |
| 50024 | A Scheduled Personal Property item is more than 10 percent of Coverage C | Yes |
| 50025 | A Scheduled Personal Property items is more than 10 percent of Coverage A | Yes |
| 50026 | The aggregate of all Scheduled Personal Property items is more than 50 percent of Coverage C | Yes |
| 50027 | No wind/hail exclusion is available | |
| 50029 | Auto rejection when auto was not requested | |
| 50030 | Roof condition, as scored through aerial imagery, looks ineligible. Provide updated images of roof to Branch to proceed. | Yes |
| 50031 | Yard debris, as scored through aerial imagery, looks ineligible. Provide updated images of yard to Branch to proceed. | Yes |
| 50032 | Ineligible coastal county location | |
| 50033 | Insufficient continuous coverage | Yes |
| 50034, 50037, 50038, 50040 | Invalid auto insurance history | Yes for 50034, 50037 |
| 50035 | Invalid accident and violation history | |
| 50036 | Too many cars for number of drivers | Yes |
| 50039 | Invalid excluded drivers | |
| 50041 | Self-reported underwriting disqualification (home) | |
| 50042 | Self-reported underwriting disqualification (auto) | |
| 50043 … 50082 | Florida-specific rejections | |
| 50064 | Flat roof | Yes |
| 50083 | Condo is rented out | |
| 50084 | Other home rejection | |
| 50085 | Other condo rejection | |
| 50086 | Other auto rejection | |
| 50087 | Primary named insured is too young | |
| 50088 | We are not currently writing secondary homes in this state | Yes |
| 50089 | Home must be clean of claims in this state at this time | |
| 50090 … 50093 | Bundle requested via API; one policy type was rejected, so also rejecting the other requested type | |
| 50095, 50109, 50110, 50111, 50112, 50113 | Branch has too much total insured value near this property to make an offer | |
| 50096 | Property mismatch between what was requested and what Cherre returned (e.g. Asked for Home and Cherre returned Condo) | Yes |
| 50097 | The property is registered as a Commercial property in Cherre | Yes |
| 50098 | Unsupported property type (not included in 50096 and 50097) according to Cherre records | |
| 50100 | At least one vehicle on this offer does not have complete rating information and needs to be escalated to Branch to get a price. | Yes |
| 50101 | Data source says this home has more land than we allow; escalate to underwriting with proof if it is not vehicle | |
| 50102 | Data source says this home has asbestos; escalate to underwriting with proof if it is not vehicle | Yes |
| 50103 | Data source says this home is a historic home; escalate to underwriting with proof if it is not vehicle | Yes |
| 50104 | Salvage or junk title associated with vehicle | Yes |
| 50105 | Data source says this home is vacant; escalate to underwriting with proof if it is not | Yes |
| 50106 | Data sources says this home has an unsupported roof material; escalate to underwriting with proof if it is not | Yes |
| 50107 | Data sources says this home is in foreclosure; escalate to underwriting with proof if it is not | |
| 50108 | This line is not allowed to be written in this state in this context | |
| 10021 | Excessive water claims | |
| 50114 | Roof is too old in this state |