updates to issue 475: build insurance claims management from drips

[winnpxl]

Here’s a much tighter PR description with just the essentials:

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🛡️ #475 — Insurance Claims Management

Implements full lifecycle management for insurance claims filed against active policies.

What’s Included

InsuranceClaim

• claim_id, policy_id, asset_id
• claimant
• claim_type (Damage, Theft, Loss, Liability)
• amount
• status (Submitted → UnderReview → Approved/Rejected → Disputed → Paid)
• filed_at
• approved_amount

Core Functions

• file_insurance_claim

  • Requires claimant auth
  • Policy must be Active
  • Indexed by asset_id

• mark_insurance_claim_under_review

  • Submitted → UnderReview (insurer only)

• approve_insurance_claim

  • UnderReview → Approved
  • approved_amount <= coverage_amount

• reject_insurance_claim

  • Submitted/UnderReview → Rejected

• dispute_insurance_claim

  • Rejected → Disputed (claimant only)

• pay_insurance_claim

  • Approved → Paid

• Getters:

  • get_insurance_claim
  • get_asset_insurance_claims

Acceptance Criteria

• ✔ Only Active policies can file claims
• ✔ Strict status transition enforcement
• ✔ Cannot approve or pay invalid states
• ✔ Approved amount cannot exceed coverage

Closes #475

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