fix: require completed photo review before pdf render

skills/property-assessor/tests/report-pdf.test.ts

@@ -87,3 +87,23 @@ test("renderReportPdf rejects a preliminary report with pending verdict", async
     /decision-grade|preliminary|pending/i
   );
 });
+
+test("renderReportPdf rejects a report when subject-unit photo review is not completed", async () => {
+  const outputPath = path.join(os.tmpdir(), `property-assessor-missing-photos-${Date.now()}.pdf`);
+  await assert.rejects(
+    () =>
+      renderReportPdf(
+        {
+          ...samplePayload,
+          photoReview: {
+            status: "not completed",
+            source: "accessible listing-photo source not reliably exposed for unit 235",
+            attempts: ["Zillow and HAR photo review did not complete."],
+            summary: "Condition review is incomplete."
+          }
+        },
+        outputPath
+      ),
+    /photo review|decision-grade|incomplete/i
+  );
+});