diff --git a/src/Types&Enums/claim-request-management/claim-workflow-steps.enum.ts b/src/Types&Enums/claim-request-management/claim-workflow-steps.enum.ts
index bab1390..609a562 100644
--- a/src/Types&Enums/claim-request-management/claim-workflow-steps.enum.ts
+++ b/src/Types&Enums/claim-request-management/claim-workflow-steps.enum.ts
@@ -24,7 +24,10 @@ export enum ClaimWorkflowStep {
   /** After user objection: damage expert’s last priced reply (stored in evaluation.damageExpertReplyFinal) */
   EXPERT_FINAL_REPLY = "EXPERT_FINAL_REPLY",
   EXPERT_COST_EVALUATION = "EXPERT_COST_EVALUATION",
-  
+
+  /** Owner must upload repair factor files for factorNeeded lines (before expert COST_EVALUATION). */
+  OWNER_UPLOAD_FACTOR_DOCUMENTS = "OWNER_UPLOAD_FACTOR_DOCUMENTS",
+
   // Insurer approval
   INSURER_REVIEW = "INSURER_REVIEW",
   
diff --git a/src/claim-request-management/claim-request-management.service.ts b/src/claim-request-management/claim-request-management.service.ts
index bbe8aeb..418d346 100644
--- a/src/claim-request-management/claim-request-management.service.ts
+++ b/src/claim-request-management/claim-request-management.service.ts
@@ -84,6 +84,12 @@ import {
   normalizeResendPartKeys,
   partKeyAllowedForExpertResend,
 } from "src/helpers/claim-expert-resend";
+import {
+  classifyV2ExpertPricingParts,
+  getActiveV2ExpertReply,
+  objectionDisallowedDueToOutstandingFactorWorkflow,
+} from "src/helpers/claim-v2-expert-reply-workflow";
+import { buildClaimDetailsV2OwnerGuidance } from "src/helpers/claim-details-v2-owner-guidance";
 import {
   canonicalizeClaimCarAngleKey,
   getClaimCarAngleCaptureBlob,
@@ -2363,9 +2369,30 @@ export class ClaimRequestManagementService {
         );
       }
 
+      if (claim.status !== ClaimCaseStatus.WAITING_FOR_INSURER_APPROVAL) {
+        throw new BadRequestException(
+          "Factors can only be uploaded while the insurer-approval phase is pending.",
+        );
+      }
       if (claim.claimStatus !== ClaimStatus.NEEDS_REVISION) {
         throw new BadRequestException(
-          "Factors can only be uploaded while the claim is in NEEDS_REVISION (expert requested factor documents). After all factors are uploaded the claim moves to UNDER_REVIEW for expert validation only.",
+          "Factors can only be uploaded while the claim needs owner action (claimStatus NEEDS_REVISION).",
+        );
+      }
+      if (claim.workflow?.currentStep !== ClaimWorkflowStep.OWNER_UPLOAD_FACTOR_DOCUMENTS) {
+        throw new BadRequestException(
+          `Repair factors are uploaded at workflow step ${ClaimWorkflowStep.OWNER_UPLOAD_FACTOR_DOCUMENTS} (after accepting priced lines when applicable). Current: ${String(claim.workflow?.currentStep ?? "")}.`,
+        );
+      }
+
+      const flowParts = finalReply.parts ?? [];
+      const pricingShape = classifyV2ExpertPricingParts(flowParts);
+      if (
+        pricingShape.mixedFactorAndPrice &&
+        !claim.evaluation?.ownerPricedPartsApproval?.signedAt
+      ) {
+        throw new BadRequestException(
+          "Sign acceptance of the priced repair lines first (`PUT .../owner-insurer-approval/sign` while claimStatus is NEEDS_REVISION at INSURER_REVIEW), then upload factors for factor-needed parts.",
         );
       }
 
@@ -2459,7 +2486,11 @@ export class ClaimRequestManagementService {
     );
 
     await this.claimCaseDbService.findByIdAndUpdate(claimRequestId, {
-      $set: { claimStatus: ClaimStatus.UNDER_REVIEW },
+      $set: {
+        claimStatus: ClaimStatus.UNDER_REVIEW,
+        "workflow.currentStep": ClaimWorkflowStep.EXPERT_COST_EVALUATION,
+        "workflow.nextStep": ClaimWorkflowStep.INSURER_REVIEW,
+      },
       $push: {
         history: {
           type: "ALL_FACTORS_UPLOADED_PENDING_VALIDATION",
@@ -5033,8 +5064,10 @@ export class ClaimRequestManagementService {
   /**
    * V2 API: User objection (ClaimCase + evaluation.objection payload).
    *
-   * Preconditions: damage expert resend and/or first expert reply exists; no prior objection; no final reply yet.
-   * Post: claim returns to expert queue (WAITING_FOR_DAMAGE_EXPERT), objection stored, optional new parts merged into damage.selectedParts.
+   * Priced-flow: WAITING_FOR_INSURER_APPROVAL @ INSURER_REVIEW — either NEEDS_REVISION (mixed-priced gate before factor upload)
+   * or APPROVED (final totals after pricing / factor validation); never while uploading factors or while expert validates.
+   * Legacy: objection during unpaid expert resend (`WAITING_FOR_USER_RESEND` @ `USER_EXPERT_RESEND`).
+   * Post: resets owner signatures when applicable and returns claim to WAITING_FOR_DAMAGE_EXPERT.
    */
   async handleUserObjectionV2(
     claimRequestId: string,
@@ -5058,26 +5091,26 @@ export class ClaimRequestManagementService {
         throw new ForbiddenException('Only the claim owner can submit an objection');
       }
 
-      const hasExpertResend = this.claimCaseHasExpertResend(claimCase);
-      const hasFirstExpertReply = !!claimCase.evaluation?.damageExpertReply;
-      const hasFinalExpertReply = !!claimCase.evaluation?.damageExpertReplyFinal;
-
-      if (!hasExpertResend && !hasFirstExpertReply) {
-        throw new BadRequestException(
-          'You can only object after the damage expert has submitted an assessment or requested a resend.',
-        );
-      }
-
-      if (hasFinalExpertReply) {
-        throw new ConflictException(
-          'The expert has already submitted the final reply after objection; you cannot submit another objection through this endpoint.',
-        );
-      }
-
       if (claimCase.evaluation?.objection?.submittedAt) {
         throw new ConflictException('An objection has already been submitted for this claim.');
       }
 
+      const hasExpertResend = this.claimCaseHasExpertResend(claimCase);
+      const pendingResendGate =
+        hasExpertResend &&
+        claimCase.status === ClaimCaseStatus.WAITING_FOR_USER_RESEND &&
+        claimCase.workflow?.currentStep === ClaimWorkflowStep.USER_EXPERT_RESEND;
+
+      if (claimCase.evaluation?.damageExpertReplyFinal) {
+        throw new ConflictException(
+          'The expert already submitted the final reply after objection; submit accept/reject via the owner signer.',
+        );
+      }
+
+      const activeExpert = getActiveV2ExpertReply(
+        claimCase as unknown as { evaluation?: Record<string, unknown> },
+      );
+
       const partsIn = body.objectionParts ?? [];
       const newPartsIn = body.newParts ?? [];
       if (partsIn.length === 0 && newPartsIn.length === 0) {
@@ -5086,6 +5119,61 @@ export class ClaimRequestManagementService {
         );
       }
 
+      let pricingObjectionEligible = false;
+      if (
+        claimCase.status === ClaimCaseStatus.WAITING_FOR_INSURER_APPROVAL &&
+        claimCase.workflow?.currentStep === ClaimWorkflowStep.INSURER_REVIEW &&
+        !claimCase.evaluation?.ownerInsurerApproval?.signedAt
+      ) {
+        if (objectionDisallowedDueToOutstandingFactorWorkflow(claimCase)) {
+          throw new BadRequestException(
+            'Objections are paused while factor files are uploading or the expert is validating repair factors.',
+          );
+        }
+
+        const shape = classifyV2ExpertPricingParts(activeExpert?.parts ?? []);
+        const atMixedPartialGate =
+          claimCase.claimStatus === ClaimStatus.NEEDS_REVISION &&
+          shape.mixedFactorAndPrice &&
+          !claimCase.evaluation?.ownerPricedPartsApproval?.signedAt;
+        const atFinalPricingGate =
+          claimCase.claimStatus === ClaimStatus.APPROVED;
+        pricingObjectionEligible = atMixedPartialGate || atFinalPricingGate;
+      }
+
+      if (!(pendingResendGate || pricingObjectionEligible)) {
+        throw new BadRequestException(
+          'No open objection window. Use this after a priced insurer-review step without a recorded final approval, ' +
+            'or while completing an unpaid expert resend.',
+        );
+      }
+
+      if (!pendingResendGate && pricingObjectionEligible && !activeExpert?.parts?.length) {
+        throw new BadRequestException(
+          'A priced assessment is required before you can object.',
+        );
+      }
+
+      const pricedPartIdSet =
+        activeExpert?.parts?.length ?
+          new Set(
+            activeExpert.parts
+              .filter((p) => p.factorNeeded !== true)
+              .map((p) => String((p as { partId?: string }).partId ?? ""))
+              .filter(Boolean),
+          )
+        : new Set<string>();
+
+      if (partsIn.length && pricingObjectionEligible) {
+        for (const op of partsIn) {
+          if (!pricedPartIdSet.has(String(op.partId))) {
+            throw new BadRequestException(
+              `Only priced repair lines can be disputed (${String(op.partId)} is factor-only or unknown).`,
+            );
+          }
+        }
+      }
+
       const objectionParts = partsIn.map((p) => ({
         partId: p.partId,
         reason: p.reason,
@@ -5126,6 +5214,10 @@ export class ClaimRequestManagementService {
           'evaluation.objection': objectionPayload,
           'damage.selectedParts': mergedSelected,
         },
+        $unset: {
+          'evaluation.ownerPricedPartsApproval': "",
+          'evaluation.ownerInsurerApproval': "",
+        },
         $push: {
           history: {
             type: 'USER_OBJECTION_SUBMITTED',
@@ -5227,9 +5319,13 @@ export class ClaimRequestManagementService {
   }
 
   /**
-   * V2: Claim owner signs final priced expert reply (single-party), same intent as blame
-   * `PUT …/sign/:requestId` — only when case status is WAITING_FOR_INSURER_APPROVAL and
-   * workflow is at INSURER_REVIEW (not factor-validation queue at EXPERT_COST_EVALUATION).
+   * V2: Claim owner signature on expert pricing.
+   *
+   * Phase 1 (mixed priced + factor-needed lines): WAITING_FOR_INSURER_APPROVAL, NEEDS_REVISION, INSURER_REVIEW,
+   * owner has not yet accepted priced lines — agreeing records `evaluation.ownerPricedPartsApproval` and moves the
+   * workflow to OWNER_UPLOAD_FACTOR_DOCUMENTS. Rejecting rejects the whole case.
+   *
+   * Phase 2 (final): WAITING_FOR_INSURER_APPROVAL, APPROVED, INSURER_REVIEW — full accept/reject completes the case.
    */
   async submitOwnerInsurerApprovalSignV2(
     claimRequestId: string,
@@ -5245,6 +5341,7 @@ export class ClaimRequestManagementService {
     claimStatus: ClaimStatus;
     currentStep?: ClaimWorkflowStep;
     accepted: boolean;
+    phase?: "PRICED_PARTS_FOR_FACTORS" | "FINAL_APPROVAL";
   }> {
     if (!Types.ObjectId.isValid(claimRequestId)) {
       throw new BadRequestException("Invalid claim request id");
@@ -5271,7 +5368,7 @@ export class ClaimRequestManagementService {
 
     if (claimCase.status !== ClaimCaseStatus.WAITING_FOR_INSURER_APPROVAL) {
       throw new BadRequestException(
-        `Claim is not waiting for your approval signature. Current status: ${String(claimCase.status)}`,
+        `Claim is not waiting for your insurer-approval signature. Current status: ${String(claimCase.status)}`,
       );
     }
     if (claimCase.workflow?.currentStep !== ClaimWorkflowStep.INSURER_REVIEW) {
@@ -5279,21 +5376,41 @@ export class ClaimRequestManagementService {
         `Signing is only allowed at workflow step ${ClaimWorkflowStep.INSURER_REVIEW}. Current: ${String(claimCase.workflow?.currentStep ?? "")}`,
       );
     }
-    if (claimCase.claimStatus !== ClaimStatus.APPROVED) {
+
+    const active =
+      claimCase.evaluation?.damageExpertReplyFinal ||
+      claimCase.evaluation?.damageExpertReply;
+    if (!active?.submittedAt) {
+      throw new BadRequestException("No expert reply is available to sign off on yet.");
+    }
+
+    const shape = classifyV2ExpertPricingParts(active.parts ?? []);
+    const pricedBranchReply = {
+      parts: (active.parts ?? []).filter((p: { factorNeeded?: boolean }) => !p.factorNeeded),
+    };
+
+    const isMixedPartialGate =
+      shape.mixedFactorAndPrice &&
+      claimCase.claimStatus === ClaimStatus.NEEDS_REVISION &&
+      !claimCase.evaluation?.ownerPricedPartsApproval?.signedAt;
+
+    const isFinalApprovalGate =
+      claimCase.claimStatus === ClaimStatus.APPROVED &&
+      !claimCase.evaluation?.ownerInsurerApproval?.signedAt;
+
+    if (!isMixedPartialGate && !isFinalApprovalGate) {
       throw new BadRequestException(
-        `Claim must be insurer-approved before owner signature. Current claimStatus: ${String(claimCase.claimStatus)}`,
+        "No owner signature action is available at this state. " +
+          "If repair factors are pending upload, complete the priced-line signature first (when claimStatus is NEEDS_REVISION). " +
+          "If you already completed the final approval signature, refresh the claim.",
       );
     }
 
-    if (claimCase.evaluation?.ownerInsurerApproval?.signedAt) {
-      throw new ConflictException("You have already submitted a signature for this claim.");
+    if (isMixedPartialGate && claimCase.evaluation?.ownerInsurerApproval?.signedAt) {
+      throw new ConflictException("Claim already has a final approval record; refresh the claim state.");
     }
-
-    const activeReply =
-      claimCase.evaluation?.damageExpertReplyFinal ||
-      claimCase.evaluation?.damageExpertReply;
-    if (!activeReply?.submittedAt) {
-      throw new BadRequestException("No expert reply is available to sign off on yet.");
+    if (isFinalApprovalGate && claimCase.evaluation?.ownerInsurerApproval?.signedAt) {
+      throw new ConflictException("You have already submitted a signature for this claim.");
     }
 
     const rawBranchId = (branchId ?? "").trim();
@@ -5312,9 +5429,10 @@ export class ClaimRequestManagementService {
         "This branch does not belong to the insurer for this claim.",
       );
     }
-    const branchIdsOnPricing = this.collectBranchIdsFromClaimExpertReply(
-      activeReply as { parts?: unknown[] },
-    );
+    const branchIdsOnPricing =
+      isMixedPartialGate
+        ? this.collectBranchIdsFromClaimExpertReply(pricedBranchReply)
+        : this.collectBranchIdsFromClaimExpertReply(active as { parts?: unknown[] });
     if (
       branchIdsOnPricing.size > 0 &&
       !branchIdsOnPricing.has(String(rawBranchId))
@@ -5332,7 +5450,7 @@ export class ClaimRequestManagementService {
     } as any);
     const signId = new Types.ObjectId(String((signDoc as any)._id));
     const signedAt = new Date();
-    const approvalPayload = {
+    const scopedApprovalPayload = {
       agree,
       branchId: new Types.ObjectId(rawBranchId),
       signDetailId: signId,
@@ -5345,12 +5463,73 @@ export class ClaimRequestManagementService {
       actorType: "user",
     };
 
+    /** Mixed reply: priced lines acceptance before factor uploads */
+    if (isMixedPartialGate) {
+      if (!agree) {
+        await this.claimCaseDbService.findByIdAndUpdate(claimRequestId, {
+          $set: {
+            status: ClaimCaseStatus.REJECTED,
+            claimStatus: ClaimStatus.REJECTED,
+            "evaluation.ownerPricedPartsApproval": scopedApprovalPayload,
+            "workflow.nextStep": null,
+          },
+          $push: {
+            history: {
+              type: "OWNER_REJECTED_PRICED_PARTS_BEFORE_FACTORS",
+              actor: historyActor,
+              timestamp: signedAt,
+              metadata: { branchId: rawBranchId },
+            },
+          },
+        });
+        return {
+          message:
+            "Your rejection has been recorded. This claim is marked rejected and will not proceed.",
+          claimRequestId,
+          status: ClaimCaseStatus.REJECTED,
+          claimStatus: ClaimStatus.REJECTED,
+          currentStep: claimCase.workflow?.currentStep,
+          accepted: false,
+          phase: "PRICED_PARTS_FOR_FACTORS",
+        };
+      }
+
+      await this.claimCaseDbService.findByIdAndUpdate(claimRequestId, {
+        $set: {
+          claimStatus: ClaimStatus.NEEDS_REVISION,
+          "evaluation.ownerPricedPartsApproval": scopedApprovalPayload,
+          "workflow.currentStep": ClaimWorkflowStep.OWNER_UPLOAD_FACTOR_DOCUMENTS,
+          "workflow.nextStep": ClaimWorkflowStep.EXPERT_COST_EVALUATION,
+        },
+        $push: {
+          history: {
+            type: "OWNER_SIGNED_PRICED_PARTS_PENDING_FACTOR_UPLOAD",
+            actor: historyActor,
+            timestamp: signedAt,
+            metadata: { branchId: rawBranchId },
+          },
+        },
+      });
+
+      return {
+        message:
+          "Priced repair lines accepted. Upload repair factor files for each factor-needed part; the claim will return to the damage expert for cost validation.",
+        claimRequestId,
+        status: ClaimCaseStatus.WAITING_FOR_INSURER_APPROVAL,
+        claimStatus: ClaimStatus.NEEDS_REVISION,
+        currentStep: ClaimWorkflowStep.OWNER_UPLOAD_FACTOR_DOCUMENTS,
+        accepted: true,
+        phase: "PRICED_PARTS_FOR_FACTORS",
+      };
+    }
+
+    /** Final accept / reject (no outstanding factor gate at this step) */
     if (!agree) {
       await this.claimCaseDbService.findByIdAndUpdate(claimRequestId, {
         $set: {
           status: ClaimCaseStatus.REJECTED,
           claimStatus: ClaimStatus.REJECTED,
-          "evaluation.ownerInsurerApproval": approvalPayload,
+          "evaluation.ownerInsurerApproval": scopedApprovalPayload,
           "workflow.nextStep": null,
         },
         $push: {
@@ -5370,6 +5549,7 @@ export class ClaimRequestManagementService {
         claimStatus: ClaimStatus.REJECTED,
         currentStep: claimCase.workflow?.currentStep,
         accepted: false,
+        phase: "FINAL_APPROVAL",
       };
     }
 
@@ -5377,7 +5557,7 @@ export class ClaimRequestManagementService {
       $set: {
         status: ClaimCaseStatus.COMPLETED,
         claimStatus: ClaimStatus.APPROVED,
-        "evaluation.ownerInsurerApproval": approvalPayload,
+        "evaluation.ownerInsurerApproval": scopedApprovalPayload,
         "workflow.currentStep": ClaimWorkflowStep.CLAIM_COMPLETED,
         "workflow.nextStep": ClaimWorkflowStep.CLAIM_COMPLETED,
       },
@@ -5399,6 +5579,7 @@ export class ClaimRequestManagementService {
       claimStatus: ClaimStatus.APPROVED,
       currentStep: ClaimWorkflowStep.CLAIM_COMPLETED,
       accepted: true,
+      phase: "FINAL_APPROVAL",
     };
   }
 
@@ -5458,7 +5639,8 @@ export class ClaimRequestManagementService {
   }
 
   /**
-   * V2 API: Get claim details by ID (owner only)
+   * V2 API: Get claim details by ID (owner — or FIELD_EXPERT with enriched money/rating fields).
+   * Owners receive `ownerGuidance` computed from workflow state.
    */
   async getClaimDetailsV2(
     claimRequestId: string,
@@ -5618,6 +5800,14 @@ export class ClaimRequestManagementService {
               damageExpertReplyFinal: mappedEvaluation.damageExpertReplyFinal,
             }
           : undefined,
+        ...(!isExpertViewer
+          ? {
+              ownerGuidance: buildClaimDetailsV2OwnerGuidance(
+                claim,
+                claim._id.toString(),
+              ),
+            }
+          : {}),
         ...(isExpertViewer
           ? {
               userRating: claim.userRating
diff --git a/src/claim-request-management/claim-request-management.v2.controller.ts b/src/claim-request-management/claim-request-management.v2.controller.ts
index 78b650a..adbd17b 100644
--- a/src/claim-request-management/claim-request-management.v2.controller.ts
+++ b/src/claim-request-management/claim-request-management.v2.controller.ts
@@ -85,7 +85,7 @@ export class ClaimRequestManagementV2Controller {
   @ApiOperation({
     summary: "Get Claim Details (V2)",
     description:
-      "Get claim details for current actor. USER (claim owner) receives the same core claim payload including `owner` (userId, clientId, optional userClientKey). FIELD_EXPERT additionally receives unmasked money and userRating when present.",
+      "Returns the claim snapshot for **USER** (owner) or **FIELD_EXPERT** when permitted. Owners get `ownerGuidance`: `{ phaseKey, headline, nextActions[] (method + pathTemplate), objectionAllowed }` mapped from `status` / `claimStatus` / workflow so the client can show the correct screen without duplicating orchestration logic. FIELD_EXPERT does not receive `ownerGuidance`. Core payload includes documents, captures, evaluation replies, optional expert resend, and masked bank info.",
   })
   @ApiResponse({
     status: 200,
@@ -156,9 +156,11 @@ export class ClaimRequestManagementV2Controller {
   @ApiOperation({
     summary: "Submit user objection (V2)",
     description:
-      "After the damage expert submits a resend request (`damageExpertResend`), the owner may dispute priced parts " +
-      "and/or propose additional damaged parts. Stores a structured payload on `evaluation.objection`, merges " +
-      "`newParts` into `damage.selectedParts`, and moves the case back to `WAITING_FOR_DAMAGE_EXPERT` for re-review.",
+      "**Windows:** (1) **Insurer-review:** `WAITING_FOR_INSURER_APPROVAL` + `workflow.currentStep=INSURER_REVIEW` without a recorded **final** `evaluation.ownerInsurerApproval` signature — including **mixed** priced+factor gate (`NEEDS_REVISION` before factor upload signature) or **final** totals (`claimStatus=APPROVED`). Not allowed while `OWNER_UPLOAD_FACTOR_DOCUMENTS` or `EXPERT_COST_EVALUATION` (finish factor uploads / validation first).\n" +
+      "(2) **Legacy resend:** active expert resend (`WAITING_FOR_USER_RESEND` @ `USER_EXPERT_RESEND`).\n\n" +
+      "`objectionParts` may only reference **priced** repair lines (`factorNeeded=false`). Factor-only lines cannot be disputed until they have expert pricing.\n\n" +
+      "After **`damageExpertReplyFinal`** exists (final reply following a prior objection), **no second objection** — owner uses **owner-insurer-approval/sign** to accept/reject and close the case.\n\n" +
+      "Stores `evaluation.objection`, clears partial/final owner approval fields, merges `newParts` into `damage.selectedParts`, returns case to `WAITING_FOR_DAMAGE_EXPERT`.",
   })
   @ApiParam({
     name: "claimRequestId",
@@ -233,7 +235,7 @@ export class ClaimRequestManagementV2Controller {
   }
 
   /**
-   * V2: Owner signs acceptance of final expert pricing (WAITING_FOR_INSURER_APPROVAL @ INSURER_REVIEW).
+   * V2: Owner signature — priced-line gate (mixed factors) or final accept/reject.
    */
   @Put("request/:claimRequestId/owner-insurer-approval/sign")
   @ApiParam({
@@ -243,12 +245,12 @@ export class ClaimRequestManagementV2Controller {
   })
   @ApiConsumes("multipart/form-data")
   @ApiOperation({
-    summary: "Sign final claim pricing (owner)",
+    summary: "Sign priced lines or final claim pricing (owner)",
     description:
-      "Multipart: `sign` (signature image), `agree` (boolean), and `branchId` (Mongo ObjectId of the insurer branch the file is reviewed under). " +
-      "Allowed only when `status` is WAITING_FOR_INSURER_APPROVAL, " +
-      "`workflow.currentStep` is INSURER_REVIEW (not EXPERT_COST_EVALUATION), and `claimStatus` is APPROVED. " +
-      "If `agree` is true, the case moves to COMPLETED; if false, to REJECTED.",
+      "Multipart: `sign`, `agree`, `branchId`. Always requires `status=WAITING_FOR_INSURER_APPROVAL` and `workflow.currentStep=INSURER_REVIEW` (never during `EXPERT_COST_EVALUATION`).\n\n" +
+      "**Phase A — Mixed reply, priced lines only:** `claimStatus=NEEDS_REVISION`, no `evaluation.ownerPricedPartsApproval` yet. `agree=true` records that signature and moves to `OWNER_UPLOAD_FACTOR_DOCUMENTS` for factor uploads; `agree=false` rejects the whole case (`REJECTED`).\n\n" +
+      "**Phase B — Final:** `claimStatus=APPROVED`, no `evaluation.ownerInsurerApproval` yet. `agree=true` → `COMPLETED`; `agree=false` → `REJECTED`.\n\n" +
+      "Response may include `phase`: `PRICED_PARTS_FOR_FACTORS` or `FINAL_APPROVAL` for UI state.",
   })
   @ApiBody({
     description: "Signature file, agreement, and branch",
@@ -890,12 +892,12 @@ Returns status of each item (uploaded/captured or not).
   @Patch("request/reply/:claimRequestId/:partId/upload-factor")
   @ApiConsumes("multipart/form-data")
   @ApiOperation({
-    summary: "Upload factor file for a priced part (V2)",
+    summary: "Upload repair factor file for a factor-needed part (V2)",
     description:
-      "Use when the damage expert reply marks `factorNeeded: true` for this `partId`. " +
-      "Stores file in `claim-factors-image`, sets `factorLink` / `factorStatus` on the matching part in " +
-      "`evaluation.damageExpertReply` or `evaluation.damageExpertReplyFinal`. " +
-      "Requires claim `claimStatus` NEEDS_REVISION or UNDER_REVIEW.",
+      "Part must have `factorNeeded: true` on the active reply (`evaluation.damageExpertReply` or `evaluation.damageExpertReplyFinal`). One file per part.\n\n" +
+      "**Requires:** `status=WAITING_FOR_INSURER_APPROVAL`, `claimStatus=NEEDS_REVISION`, `workflow.currentStep=OWNER_UPLOAD_FACTOR_DOCUMENTS`.\n\n" +
+      "**Mixed priced+factor replies:** owner must complete **owner-insurer-approval/sign** (priced-line phase) first so `evaluation.ownerPricedPartsApproval` exists.\n\n" +
+      "When every `factorNeeded` line has `factorLink`, the case moves to `claimStatus=UNDER_REVIEW`, `workflow.currentStep=EXPERT_COST_EVALUATION` for damage expert validation.",
   })
   @ApiParam({ name: "claimRequestId", description: "Claim case ID" })
   @ApiParam({ name: "partId", description: "Part id from expert reply" })
diff --git a/src/claim-request-management/dto/claim-details-v2.dto.ts b/src/claim-request-management/dto/claim-details-v2.dto.ts
index 63f0eb0..b7a4c6d 100644
--- a/src/claim-request-management/dto/claim-details-v2.dto.ts
+++ b/src/claim-request-management/dto/claim-details-v2.dto.ts
@@ -1,5 +1,63 @@
 import { ApiProperty, ApiPropertyOptional } from '@nestjs/swagger';
 
+/** Suggested HTTP call for the owner UI (`pathTemplate`: replace placeholders). */
+export class ClaimDetailsOwnerNextActionV2Dto {
+  @ApiProperty({ description: 'Stable UI key', example: 'FINAL_SIGN' })
+  key: string;
+
+  @ApiPropertyOptional({ description: 'HTTP verb', example: 'PUT' })
+  method?: string;
+
+  @ApiPropertyOptional({
+    description: 'Path under API root',
+    example: 'v2/claim-request-management/request/{claimRequestId}/owner-insurer-approval/sign',
+  })
+  pathTemplate?: string;
+
+  @ApiProperty({ description: 'What this endpoint does for the user' })
+  description: string;
+}
+
+/** Server-derived hints: which phase the claim is in and what to offer next (owners only). */
+export class ClaimDetailsOwnerGuidanceV2Dto {
+  @ApiProperty({
+    description: 'Machine-readable phase',
+    enum: [
+      'COMPLETED',
+      'REJECTED',
+      'CANCELLED',
+      'EXPERT_RESEND',
+      'WAITING_DAMAGE_EXPERT',
+      'EXPERT_REVIEWING',
+      'USER_FLOW',
+      'UPLOAD_FACTORS',
+      'EXPERT_VALIDATING_FACTORS',
+      'SIGN_PRICED_LINES',
+      'INSURER_REVIEW_NEEDS_REVISION',
+      'FINAL_SIGN_OR_REJECT',
+      'INSURER_APPROVAL_FALLBACK',
+    ],
+  })
+  phaseKey: string;
+
+  @ApiProperty({ description: 'Short headline for the current phase' })
+  headline: string;
+
+  @ApiPropertyOptional({ description: 'Longer UX copy' })
+  detail?: string;
+
+  @ApiProperty({ type: [ClaimDetailsOwnerNextActionV2Dto] })
+  nextActions: ClaimDetailsOwnerNextActionV2Dto[];
+
+  @ApiPropertyOptional({
+    description: 'Whether PUT objection is permitted (see server validation for exact rules)',
+  })
+  objectionAllowed?: boolean;
+
+  @ApiPropertyOptional({ description: 'How objection relates to priced vs factor-only lines' })
+  objectionHint?: string;
+}
+
 /** Active damage-expert resend request (owner must upload or acknowledge). */
 export class ExpertResendDetailsV2Dto {
   @ApiPropertyOptional()
@@ -97,6 +155,13 @@ export class ClaimDetailsV2ResponseDto {
     damageExpertReplyFinal?: unknown;
   };
 
+  @ApiPropertyOptional({
+    type: ClaimDetailsOwnerGuidanceV2Dto,
+    description:
+      'Owner-only: derived headline, suggested API routes, and whether objection is plausible. Omitted when the actor is FIELD_EXPERT.',
+  })
+  ownerGuidance?: ClaimDetailsOwnerGuidanceV2Dto;
+
   @ApiPropertyOptional({ description: 'User satisfaction rating (if submitted)' })
   userRating?: {
     progressSpeed: number;
diff --git a/src/claim-request-management/entites/schema/claim-case.evaluation.schema.ts b/src/claim-request-management/entites/schema/claim-case.evaluation.schema.ts
index 5e58798..ba861d1 100644
--- a/src/claim-request-management/entites/schema/claim-case.evaluation.schema.ts
+++ b/src/claim-request-management/entites/schema/claim-case.evaluation.schema.ts
@@ -95,6 +95,24 @@ export class ClaimOwnerInsurerApproval {
 export const ClaimOwnerInsurerApprovalSchema =
   SchemaFactory.createForClass(ClaimOwnerInsurerApproval);
 
+/** Owner signed acceptance of priced lines only — required before uploading factors when reply is mixed priced + factorNeeded. */
+@Schema({ _id: false })
+export class ClaimOwnerPricedPartsApproval {
+  @Prop({ type: Boolean, required: true })
+  agree: boolean;
+
+  @Prop({ type: Types.ObjectId })
+  branchId?: Types.ObjectId;
+
+  @Prop({ type: Types.ObjectId })
+  signDetailId?: Types.ObjectId;
+
+  @Prop({ type: Date, default: () => new Date() })
+  signedAt?: Date;
+}
+export const ClaimOwnerPricedPartsApprovalSchema =
+  SchemaFactory.createForClass(ClaimOwnerPricedPartsApproval);
+
 @Schema({ _id: false })
 export class ClaimExpertReply {
   @Prop({ type: String })
@@ -276,6 +294,9 @@ export class ClaimEvaluation {
   @Prop({ type: ClaimOwnerInsurerApprovalSchema })
   ownerInsurerApproval?: ClaimOwnerInsurerApproval;
 
+  @Prop({ type: ClaimOwnerPricedPartsApprovalSchema })
+  ownerPricedPartsApproval?: ClaimOwnerPricedPartsApproval;
+
   @Prop({ type: String })
   visitLocation?: string;
 
diff --git a/src/expert-claim/dto/expert-claim-v2.dto.ts b/src/expert-claim/dto/expert-claim-v2.dto.ts
index a6b2dba..e8c0c5c 100644
--- a/src/expert-claim/dto/expert-claim-v2.dto.ts
+++ b/src/expert-claim/dto/expert-claim-v2.dto.ts
@@ -80,7 +80,11 @@ export class PartPricingV2Dto {
   @Type(() => DaghiDetailsV2Dto)
   daghi: DaghiDetailsV2Dto;
 
-  @ApiProperty({ example: false })
+  @ApiProperty({
+    example: false,
+    description:
+      "If true, the owner must upload a repair factor image for this line; expert confirms cost later (validate-factors). Priced lines omit this or set false.",
+  })
   @IsBoolean()
   factorNeeded: boolean;
 }
@@ -91,7 +95,11 @@ export class SubmitExpertReplyV2Dto {
   @IsNotEmpty()
   description: string;
 
-  @ApiProperty({ type: [PartPricingV2Dto] })
+  @ApiProperty({
+    type: [PartPricingV2Dto],
+    description:
+      "Each part: manual pricing and `daghi`; set `factorNeeded` only where a repair factor upload is required from the owner.",
+  })
   @IsArray()
   @ValidateNested({ each: true })
   @Type(() => PartPricingV2Dto)
diff --git a/src/expert-claim/expert-claim.service.ts b/src/expert-claim/expert-claim.service.ts
index 1299000..97f2f01 100644
--- a/src/expert-claim/expert-claim.service.ts
+++ b/src/expert-claim/expert-claim.service.ts
@@ -65,6 +65,9 @@ import {
   enrichBlamePartiesForAgreementView,
 } from "src/helpers/blame-party-agreement-decision";
 import { resendRequestHasPayload } from "src/helpers/claim-expert-resend";
+import {
+  classifyV2ExpertPricingParts,
+} from "src/helpers/claim-v2-expert-reply-workflow";
 import {
   getClaimCarAngleCaptureBlob,
   getDamagedPartCaptureBlob,
@@ -1907,8 +1910,8 @@ export class ExpertClaimService {
   /**
    * V2 (ClaimCase): validate user-uploaded repair factors on the active expert reply.
    * Preconditions: all `factorNeeded` parts have `factorLink`; case is UNDER_REVIEW at EXPERT_COST_EVALUATION.
-   * — All approved → same as non-factor path: claimStatus APPROVED, step INSURER_REVIEW.
-   * — Any rejected (expert repriced) → case COMPLETED with expert amounts (damage-expert finalization).
+   * — All approved → claimStatus APPROVED, INSURER_REVIEW: owner accepts/rejects to close.
+   * — Any rejected (expert repriced) → WAITING_FOR_INSURER_APPROVAL, APPROVED, INSURER_REVIEW until owner accepts/rejects.
    */
   async validateClaimFactorsV2(
     claimRequestId: string,
@@ -2072,14 +2075,14 @@ export class ExpertClaimService {
     if (anyRejected) {
       await this.claimCaseDbService.findByIdAndUpdate(claimRequestId, {
         $set: {
-          status: ClaimCaseStatus.COMPLETED,
+          status: ClaimCaseStatus.WAITING_FOR_INSURER_APPROVAL,
           claimStatus: ClaimStatus.APPROVED,
-          "workflow.currentStep": ClaimWorkflowStep.CLAIM_COMPLETED,
+          "workflow.currentStep": ClaimWorkflowStep.INSURER_REVIEW,
           "workflow.nextStep": ClaimWorkflowStep.CLAIM_COMPLETED,
         },
         $push: {
           history: {
-            type: "FACTORS_VALIDATED_REJECTED_EXPERT_FINALIZED",
+            type: "FACTORS_VALIDATED_REJECTED_EXPERT_REPRICED",
             actor: historyActor,
             timestamp: new Date(),
             metadata: { replyField },
@@ -2087,13 +2090,26 @@ export class ExpertClaimService {
         },
       });
 
+      const ownerPhoneRejected = await this.resolveClaimOwnerPhone(claim);
+      if (ownerPhoneRejected) {
+        const expertLastName =
+          actor?.fullName?.trim()?.split(/\s+/).pop() || "کارشناس";
+        await this.smsOrchestrationService.sendSignatureReviewNotice({
+          receptor: ownerPhoneRejected,
+          fileKind: "claim",
+          publicId: claim.publicId,
+          expertLastName,
+          link: this.smsOrchestrationService.buildClaimLink(String(claim._id)),
+        });
+      }
+
       return {
         message:
-          "Factors reviewed. Rejected parts were repriced by the expert; the claim is completed.",
+          "Factors reviewed with repricing. Owner must accept or reject via owner-insurer-approval/sign.",
         claimRequestId,
         claimStatus: ClaimStatus.APPROVED,
-        caseStatus: ClaimCaseStatus.COMPLETED,
-        outcome: "REJECTED_REPRICED_COMPLETED",
+        caseStatus: ClaimCaseStatus.WAITING_FOR_INSURER_APPROVAL,
+        outcome: "REJECTED_REPRICED_OWNER_SIGN",
       };
     }
 
@@ -2350,6 +2366,12 @@ export class ExpertClaimService {
       );
     }
 
+    if (existingResend?.fulfilledAt) {
+      throw new BadRequestException(
+        "The owner has already fulfilled a damage-expert resend for this claim. You cannot request another resend.",
+      );
+    }
+
     const allowedDocTypes = new Set<string>(
       Object.values(ClaimRequiredDocumentType),
     );
@@ -2458,10 +2480,11 @@ export class ExpertClaimService {
    * - Each part must include `daghi` (option + conditional price/branchId) like V1
    *
    * On success:
-   * - Stores reply in evaluation.damageExpertReply
+   * - Stores reply; clears owner signature fields (`ownerInsurerApproval`, `ownerPricedPartsApproval`)
    * - Unlocks the workflow
-   * - If any part has factorNeeded=true → status = WAITING_FOR_INSURER_APPROVAL, step = EXPERT_COST_EVALUATION
-   * - Otherwise → status = WAITING_FOR_INSURER_APPROVAL, step = INSURER_REVIEW, claimStatus = APPROVED
+   * - Pricing-only (`factorNeeded=false` everywhere): WAITING_FOR_INSURER_APPROVAL, APPROVED, INSURER_REVIEW → owner final sign/reject.
+   * - All lines `factorNeeded`: NEEDS_REVISION, OWNER_UPLOAD_FACTOR_DOCUMENTS → uploads → UNDER_REVIEW, EXPERT_COST_EVALUATION (validate factors).
+   * - Mixed priced + factor: NEEDS_REVISION, INSURER_REVIEW with next OWNER_UPLOAD_FACTOR_DOCUMENTS → owner signs priced lines first → upload factors → expert validates → final sign.
    */
   async submitExpertReplyV2(
     claimRequestId: string,
@@ -2514,7 +2537,11 @@ export class ExpertClaimService {
         ? this.validateAndNormalizeDaghiForExpertReplyV2(reply.parts)
         : [];
 
-    const needsFactorUpload = reply.parts?.some((p) => p.factorNeeded === true) ?? false;
+    const { mixedFactorAndPrice, allFactorLines } = classifyV2ExpertPricingParts(
+      processedParts,
+    );
+    const needsFactorUpload =
+      reply.parts?.some((p) => p.factorNeeded === true) ?? false;
 
     const objectionSubmitted = !!claim.evaluation?.objection?.submittedAt;
     const hasFinalReply = !!claim.evaluation?.damageExpertReplyFinal;
@@ -2546,14 +2573,22 @@ export class ExpertClaimService {
       ...(expertProfileSnapshot && { expertProfileSnapshot }),
     };
 
-    const nextStep = needsFactorUpload
-      ? ClaimWorkflowStep.INSURER_REVIEW
-      : ClaimWorkflowStep.CLAIM_COMPLETED;
+    let currentStep = ClaimWorkflowStep.INSURER_REVIEW;
+    let nextWorkflowStep = ClaimWorkflowStep.CLAIM_COMPLETED;
 
     const nextCaseStatus = ClaimCaseStatus.WAITING_FOR_INSURER_APPROVAL;
-    const nextClaimStatus = needsFactorUpload
-      ? ClaimStatus.NEEDS_REVISION
-      : ClaimStatus.APPROVED;
+    let nextClaimStatus = ClaimStatus.APPROVED;
+
+    if (needsFactorUpload) {
+      nextClaimStatus = ClaimStatus.NEEDS_REVISION;
+      if (mixedFactorAndPrice) {
+        currentStep = ClaimWorkflowStep.INSURER_REVIEW;
+        nextWorkflowStep = ClaimWorkflowStep.OWNER_UPLOAD_FACTOR_DOCUMENTS;
+      } else {
+        currentStep = ClaimWorkflowStep.OWNER_UPLOAD_FACTOR_DOCUMENTS;
+        nextWorkflowStep = ClaimWorkflowStep.EXPERT_COST_EVALUATION;
+      }
+    }
 
     const updatePayload: Record<string, unknown> = {
       status: nextCaseStatus,
@@ -2564,11 +2599,11 @@ export class ExpertClaimService {
         'workflow.expiredAt': '',
         'workflow.lockedBy': '',
         'workflow.preLockQueueSnapshot': '',
+        'evaluation.ownerInsurerApproval': "",
+        'evaluation.ownerPricedPartsApproval': "",
       },
-      'workflow.currentStep': nextStep,
-      'workflow.nextStep': needsFactorUpload
-        ? ClaimWorkflowStep.EXPERT_COST_EVALUATION
-        : ClaimWorkflowStep.CLAIM_COMPLETED,
+      'workflow.currentStep': currentStep,
+      'workflow.nextStep': needsFactorUpload ? nextWorkflowStep : ClaimWorkflowStep.CLAIM_COMPLETED,
       [`evaluation.${replyField}`]: replyPayload,
       $push: {
         'workflow.completedSteps': completedStep,
@@ -2584,6 +2619,8 @@ export class ExpertClaimService {
           timestamp: new Date(),
           metadata: {
             factorNeeded: needsFactorUpload,
+            mixedFactorAndPrice,
+            allFactorLines,
             partsCount: processedParts.length,
             isFinalReplyAfterObjection,
             replyField,
@@ -2602,30 +2639,28 @@ export class ExpertClaimService {
       idempotencyKey: `claim:${claimRequestId}:handled:${actor.sub}`,
     });
 
-    // Same effective step as WAITING_FOR_INSURER_APPROVAL @ INSURER_REVIEW: owner reviews/signs (yara-signature).
-    if (!needsFactorUpload) {
-      const ownerPhone = await this.resolveClaimOwnerPhone(claim);
-      if (ownerPhone) {
-        const expertLastName =
-          actor?.fullName?.trim()?.split(/\s+/).pop() || "کارشناس";
-        await this.smsOrchestrationService.sendSignatureReviewNotice({
-          receptor: ownerPhone,
-          fileKind: "claim",
-          publicId: claim.publicId,
-          expertLastName,
-          link: this.smsOrchestrationService.buildClaimLink(
-            String(claim._id),
-          ),
-        });
-      }
+    const ownerPhoneNotify = await this.resolveClaimOwnerPhone(claim);
+    if (ownerPhoneNotify && !needsFactorUpload) {
+      const expertLastName =
+        actor?.fullName?.trim()?.split(/\s+/).pop() || "کارشناس";
+      await this.smsOrchestrationService.sendSignatureReviewNotice({
+        receptor: ownerPhoneNotify,
+        fileKind: "claim",
+        publicId: claim.publicId,
+        expertLastName,
+        link: this.smsOrchestrationService.buildClaimLink(String(claim._id)),
+      });
     }
 
     return {
       claimRequestId,
       status: nextCaseStatus,
       claimStatus: nextClaimStatus,
-      currentStep: nextStep,
+      currentStep,
+      workflowNextStep: needsFactorUpload ? nextWorkflowStep : ClaimWorkflowStep.CLAIM_COMPLETED,
       factorNeeded: needsFactorUpload,
+      mixedPricingAndFactors: mixedFactorAndPrice,
+      allPartsFactorNeeded: !!needsFactorUpload && !!allFactorLines,
       isFinalReplyAfterObjection,
     };
   }
diff --git a/src/expert-claim/expert-claim.v2.controller.ts b/src/expert-claim/expert-claim.v2.controller.ts
index e555de3..b34aa22 100644
--- a/src/expert-claim/expert-claim.v2.controller.ts
+++ b/src/expert-claim/expert-claim.v2.controller.ts
@@ -86,7 +86,12 @@ export class ExpertClaimV2Controller {
   @ApiOperation({
     summary: "Submit expert damage assessment reply",
     description:
-      "Claim must be locked by this expert (status EXPERT_REVIEWING). Submitting unlocks the claim. Each part requires `daghi` with the same rules as V1 (DaghiOption, price for recycled value, branchId for deliver damaged part). If any part has factorNeeded=true the claim moves to EXPERT_COST_EVALUATION; otherwise moves to INSURER_REVIEW. Total payment cap is 30,000,000.",
+      "**Preconditions:** claim locked by this expert (`EXPERT_REVIEWING`). **Unlocks** the claim. Each part needs `daghi` (V1 rules) and may set `factorNeeded` (repair factor file required from owner) or priced lines only. **Cap:** sum of `totalPayment` ≤ 30,000,000. Clears any prior `evaluation.ownerInsurerApproval` / `ownerPricedPartsApproval`.\n\n" +
+      "**Frontend routing by outcome:**\n" +
+      "- **All parts `factorNeeded`:** `status=WAITING_FOR_INSURER_APPROVAL`, `claimStatus=NEEDS_REVISION`, `workflow.currentStep=OWNER_UPLOAD_FACTOR_DOCUMENTS`, `workflow.nextStep=EXPERT_COST_EVALUATION` → owner uploads all factors, then `claimStatus` becomes `UNDER_REVIEW` and `currentStep=EXPERT_COST_EVALUATION` for expert validate-factors.\n" +
+      "- **Mixed (some priced, some factorNeeded):** same `status`, `claimStatus=NEEDS_REVISION`, `currentStep=INSURER_REVIEW`, `nextStep=OWNER_UPLOAD_FACTOR_DOCUMENTS` → owner must call **owner-insurer-approval/sign** first (priced-line acceptance), then `currentStep` moves to `OWNER_UPLOAD_FACTOR_DOCUMENTS` for factor uploads, then expert validation.\n" +
+      "- **No factors:** `claimStatus=APPROVED`, `currentStep=INSURER_REVIEW`, `nextStep=CLAIM_COMPLETED` → owner final sign/reject only.\n\n" +
+      "**After the owner fulfilled an expert resend** (`damageExpertResend.fulfilledAt`), this expert **cannot** initiate **another resend**—use **reply/submit**, in-person visit, or **validate-factors** as appropriate.",
   })
   @ApiParam({ name: "claimRequestId" })
   @ApiBody({ type: SubmitExpertReplyV2Dto })
@@ -103,7 +108,8 @@ export class ExpertClaimV2Controller {
     summary: "Submit expert damage resend request",
     description:
       "Claim must be locked by this expert (`EXPERT_REVIEWING`). Sets `WAITING_FOR_USER_RESEND`, `USER_EXPERT_RESEND`, `NEEDS_REVISION`, clears the lock, and stores `evaluation.damageExpertResend`. " +
-      "The owner uploads via the same document/capture endpoints or `POST .../expert-resend/acknowledge` when only instructions were given.",
+      "Owner completes via document/capture endpoints or `POST .../expert-resend/acknowledge` when only instructions were given.\n\n" +
+      "**One resend per claim lifecycle:** if the owner has already fulfilled a resend (`damageExpertResend.fulfilledAt`), this endpoint returns **400**—the expert may only submit a priced reply or request in-person visit afterward.",
   })
   @ApiParam({ name: "claimRequestId" })
   @ApiBody({ type: ClaimSubmitResendV2Dto })
@@ -139,7 +145,12 @@ export class ExpertClaimV2Controller {
   @ApiOperation({
     summary: "Validate uploaded repair factors (V2 ClaimCase)",
     description:
-      "After all required factors are uploaded, expert approves or rejects each part. Rejected parts must include expert totalPayment (or price and salary). All approved → insurer review. Any rejected → expert repricing and case COMPLETED.",
+      "**Preconditions:** `status=WAITING_FOR_INSURER_APPROVAL`, `claimStatus=UNDER_REVIEW`, `workflow.currentStep=EXPERT_COST_EVALUATION`, every `factorNeeded` line has `factorLink`.\n\n" +
+      "**Decisions:** each factor line gets `APPROVED` or `REJECTED`; rejected lines require expert `totalPayment` (or both `price` and `salary`).\n\n" +
+      "**Outcomes:**\n" +
+      "- **All approved:** `claimStatus=APPROVED`, `currentStep=INSURER_REVIEW` → owner must **sign or reject** via `owner-insurer-approval/sign`; agree completes the case.\n" +
+      "- **Any rejected (repriced):** same waiter + `INSURER_REVIEW` → owner still must **accept or reject** the repriced totals (case is not completed until they sign).\n" +
+      "- **Partial batch:** service may return pending until every factor line has a non-pending decision.",
   })
   @ApiParam({ name: "claimRequestId" })
   @ApiBody({ type: FactorValidationV2Dto })
diff --git a/src/helpers/claim-details-v2-owner-guidance.ts b/src/helpers/claim-details-v2-owner-guidance.ts
new file mode 100644
index 0000000..afb74cf
--- /dev/null
+++ b/src/helpers/claim-details-v2-owner-guidance.ts
@@ -0,0 +1,339 @@
+import { ClaimCaseStatus } from "src/Types&Enums/claim-request-management/claim-case-status.enum";
+import { ClaimStatus } from "src/Types&Enums/claim-request-management/claimStatus.enum";
+import { ClaimWorkflowStep } from "src/Types&Enums/claim-request-management/claim-workflow-steps.enum";
+import {
+  classifyV2ExpertPricingParts,
+  getActiveV2ExpertReply,
+  objectionDisallowedDueToOutstandingFactorWorkflow,
+} from "src/helpers/claim-v2-expert-reply-workflow";
+
+const BASE = "v2/claim-request-management";
+
+/** One actionable next step for owner UI (`pathTemplate` embeds claim id; replace `{partId}` per line item). */
+export interface ClaimDetailsOwnerNextActionV2 {
+  key: string;
+  method?: string;
+  pathTemplate?: string;
+  description: string;
+}
+
+/** Derived hints so the client can route without re-implementing server rules (returned only for claim owners, not FIELD_EXPERT). */
+export interface ClaimDetailsOwnerGuidanceV2 {
+  phaseKey: string;
+  headline: string;
+  detail?: string;
+  nextActions: ClaimDetailsOwnerNextActionV2[];
+  objectionAllowed?: boolean;
+  objectionHint?: string;
+}
+
+function objectionWindowForOwner(claim: any): {
+  pricingEligible: boolean;
+  resendEligible: boolean;
+} {
+  const r = claim.evaluation?.damageExpertResend;
+  const hasExpertResend = !!(
+    r &&
+    (String(r.resendDescription || "").trim() !== "" ||
+      (Array.isArray(r.resendDocuments) && r.resendDocuments.length > 0) ||
+      (Array.isArray(r.resendCarParts) && r.resendCarParts.length > 0))
+  );
+
+  const pendingResend =
+    hasExpertResend &&
+    claim.status === ClaimCaseStatus.WAITING_FOR_USER_RESEND &&
+    claim.workflow?.currentStep === ClaimWorkflowStep.USER_EXPERT_RESEND;
+
+  let pricingEligible = false;
+  if (
+    claim.status === ClaimCaseStatus.WAITING_FOR_INSURER_APPROVAL &&
+    claim.workflow?.currentStep === ClaimWorkflowStep.INSURER_REVIEW &&
+    !claim.evaluation?.ownerInsurerApproval?.signedAt
+  ) {
+    if (!objectionDisallowedDueToOutstandingFactorWorkflow(claim)) {
+      const active = getActiveV2ExpertReply(
+        claim as { evaluation?: Record<string, unknown> },
+      );
+      const shape = classifyV2ExpertPricingParts(active?.parts ?? []);
+      const atMixed =
+        claim.claimStatus === ClaimStatus.NEEDS_REVISION &&
+        shape.mixedFactorAndPrice &&
+        !claim.evaluation?.ownerPricedPartsApproval?.signedAt;
+      const atFinal = claim.claimStatus === ClaimStatus.APPROVED;
+      pricingEligible = atMixed || atFinal;
+    }
+  }
+
+  return { pricingEligible, resendEligible: !!pendingResend };
+}
+
+/** Mirrors server rules for PUT .../objection (read-only hint for UI). */
+export function ownerMaySubmitObjectionForClaimDetails(claim: any): boolean {
+  if (claim.evaluation?.objection?.submittedAt) return false;
+  if (claim.evaluation?.damageExpertReplyFinal) return false;
+  const { pricingEligible, resendEligible } = objectionWindowForOwner(claim);
+  if (resendEligible) return true;
+  return (
+    pricingEligible &&
+    !claim.evaluation?.ownerInsurerApproval?.signedAt &&
+    !objectionDisallowedDueToOutstandingFactorWorkflow(claim)
+  );
+}
+
+function objectionHintWhen(allowed: boolean): string | undefined {
+  return allowed
+    ? "Optional: PUT v2/claim-request-management/request/{claimRequestId}/objection — only priced repair lines (`factorNeeded=false` in the expert reply)."
+    : undefined;
+}
+
+/**
+ * Build owner-facing guidance for GET claim details V2.
+ * Caller should omit this field for FIELD_EXPERT viewers.
+ */
+export function buildClaimDetailsV2OwnerGuidance(
+  claim: any,
+  claimRequestId: string,
+): ClaimDetailsOwnerGuidanceV2 {
+  const id = claimRequestId;
+  const act = (key: string, method: string, path: string, description: string) =>
+    ({ key, method, pathTemplate: path, description });
+
+  const objectionAllowed = ownerMaySubmitObjectionForClaimDetails(claim);
+  const objectionHint = objectionHintWhen(objectionAllowed);
+
+  if (claim.status === ClaimCaseStatus.COMPLETED) {
+    return {
+      phaseKey: "COMPLETED",
+      headline: "Claim completed",
+      detail:
+        claim.userRating?.createdAt
+          ? "Rating already submitted."
+          : "You may submit a satisfaction rating once.",
+      nextActions: [
+        act(
+          "USER_RATING",
+          "PUT",
+          `${BASE}/request/${id}/user-rating`,
+          "Optional satisfaction rating",
+        ),
+      ],
+      objectionAllowed: false,
+    };
+  }
+
+  if (claim.status === ClaimCaseStatus.REJECTED || claim.claimStatus === ClaimStatus.REJECTED) {
+    return {
+      phaseKey: "REJECTED",
+      headline: "Claim rejected",
+      detail: "This case is closed as rejected.",
+      nextActions: [],
+      objectionAllowed: false,
+    };
+  }
+
+  if (claim.status === ClaimCaseStatus.CANCELLED) {
+    return {
+      phaseKey: "CANCELLED",
+      headline: "Claim cancelled",
+      nextActions: [],
+      objectionAllowed: false,
+    };
+  }
+
+  if (claim.status === ClaimCaseStatus.WAITING_FOR_USER_RESEND) {
+    return {
+      phaseKey: "EXPERT_RESEND",
+      headline: "Expert requested more information",
+      detail:
+        "Upload requested documents or damaged-part photos, or acknowledge if the expert gave instructions only.",
+      nextActions: [
+        act(
+          "UPLOAD_DOC",
+          "POST",
+          `${BASE}/upload-document/${id}`,
+          "Multipart: required document upload",
+        ),
+        act(
+          "CAPTURE_PART",
+          "POST",
+          `${BASE}/capture-part/${id}`,
+          "Multipart: damaged-part or angle capture",
+        ),
+        act(
+          "RESEND_ACK",
+          "POST",
+          `${BASE}/request/${id}/expert-resend/acknowledge`,
+          "If no document/part list — instructions only",
+        ),
+      ],
+      objectionAllowed: ownerMaySubmitObjectionForClaimDetails(claim),
+      objectionHint: objectionHintWhen(ownerMaySubmitObjectionForClaimDetails(claim)),
+    };
+  }
+
+  if (claim.status === ClaimCaseStatus.WAITING_FOR_DAMAGE_EXPERT) {
+    return {
+      phaseKey: "WAITING_DAMAGE_EXPERT",
+      headline: "Waiting for damage expert",
+      detail: "Your file is in the expert queue.",
+      nextActions: [],
+      objectionAllowed: false,
+    };
+  }
+
+  if (claim.status === ClaimCaseStatus.EXPERT_REVIEWING) {
+    return {
+      phaseKey: "EXPERT_REVIEWING",
+      headline: "Expert is reviewing",
+      detail: "A damage expert is assessing your claim.",
+      nextActions: [],
+      objectionAllowed: false,
+    };
+  }
+
+  if (claim.status !== ClaimCaseStatus.WAITING_FOR_INSURER_APPROVAL) {
+    return {
+      phaseKey: "USER_FLOW",
+      headline: "Continue your claim registration",
+      detail: "Complete remaining selection, captures, documents, or bank info.",
+      nextActions: [
+        act(
+          "CAPTURE_REQUIREMENTS",
+          "GET",
+          `${BASE}/capture-requirements/${id}`,
+          "Shows remaining angles, parts, documents",
+        ),
+        act(
+          "UPLOAD_DOC",
+          "POST",
+          `${BASE}/upload-document/${id}`,
+          "Upload required document when workflow allows",
+        ),
+        act(
+          "CAPTURE_PART",
+          "POST",
+          `${BASE}/capture-part/${id}`,
+          "Upload angle or damaged-part photo when workflow allows",
+        ),
+      ],
+      objectionAllowed: false,
+    };
+  }
+
+  const step = claim.workflow?.currentStep;
+  const cs = claim.claimStatus;
+
+  if (step === ClaimWorkflowStep.OWNER_UPLOAD_FACTOR_DOCUMENTS && cs === ClaimStatus.NEEDS_REVISION) {
+    return {
+      phaseKey: "UPLOAD_FACTORS",
+      headline: "Upload repair factor files",
+      detail:
+        "One upload per factor-needed part. When all factors are uploaded, the expert validates costs.",
+      nextActions: [
+        act(
+          "UPLOAD_FACTOR",
+          "PATCH",
+          `${BASE}/request/reply/${id}/{partId}/upload-factor`,
+          "Multipart `file` — use each expert reply `partId` with factorNeeded=true",
+        ),
+      ],
+      objectionAllowed: false,
+    };
+  }
+
+  if (step === ClaimWorkflowStep.EXPERT_COST_EVALUATION && cs === ClaimStatus.UNDER_REVIEW) {
+    return {
+      phaseKey: "EXPERT_VALIDATING_FACTORS",
+      headline: "Expert is validating factors",
+      detail: "No owner action until the expert finishes validating repair-factor pricing.",
+      nextActions: [],
+      objectionAllowed: false,
+    };
+  }
+
+  if (step === ClaimWorkflowStep.INSURER_REVIEW) {
+    if (cs === ClaimStatus.NEEDS_REVISION) {
+      const active = getActiveV2ExpertReply(
+        claim as { evaluation?: Record<string, unknown> },
+      );
+      const shape = classifyV2ExpertPricingParts(active?.parts ?? []);
+      if (
+        shape.mixedFactorAndPrice &&
+        !claim.evaluation?.ownerPricedPartsApproval?.signedAt
+      ) {
+        const ow = objectionWindowForOwner(claim);
+        const allowObj = ow.pricingEligible;
+        return {
+          phaseKey: "SIGN_PRICED_LINES",
+          headline: "Sign acceptance of priced lines",
+          detail:
+            "Required before uploading repair-factor files for mixed priced + factor-needed replies.",
+          nextActions: [
+            act(
+              "SIGN_PRICED_PARTS",
+              "PUT",
+              `${BASE}/request/${id}/owner-insurer-approval/sign`,
+              "Multipart sign + agree + branchId",
+            ),
+          ],
+          objectionAllowed: allowObj,
+          objectionHint: objectionHintWhen(allowObj),
+        };
+      }
+
+      /** NEEDS_REVISION at INSURER_REVIEW without mixed gate — all-factor initial sign not used; fallback */
+      const allowObj = objectionWindowForOwner(claim).pricingEligible;
+      return {
+        phaseKey: "INSURER_REVIEW_NEEDS_REVISION",
+        headline: "Insurer approval — action pending",
+        detail:
+          "If you see priced lines without factors, use sign or objection; otherwise verify workflow data.",
+        nextActions: [
+          act(
+            "SIGN_OR_CHECK",
+            "PUT",
+            `${BASE}/request/${id}/owner-insurer-approval/sign`,
+            "Sign if prompted by app state",
+          ),
+        ],
+        objectionAllowed: allowObj,
+        objectionHint: objectionHintWhen(allowObj),
+      };
+    }
+
+    if (cs === ClaimStatus.APPROVED && !claim.evaluation?.ownerInsurerApproval?.signedAt) {
+      const allowObj = objectionWindowForOwner(claim).pricingEligible;
+      return {
+        phaseKey: "FINAL_SIGN_OR_REJECT",
+        headline: "Accept or reject final pricing",
+        detail: "Sign to complete the claim, or reject. You may object to priced lines instead of signing.",
+        nextActions: [
+          act(
+            "FINAL_SIGN",
+            "PUT",
+            `${BASE}/request/${id}/owner-insurer-approval/sign`,
+            "Multipart sign + agree + branchId — completes or rejects claim",
+          ),
+          act(
+            "OBJECTION",
+            "PUT",
+            `${BASE}/request/${id}/objection`,
+            "Dispute priced lines before signing",
+          ),
+        ],
+        objectionAllowed: allowObj,
+        objectionHint: objectionHintWhen(allowObj),
+      };
+    }
+  }
+
+  return {
+    phaseKey: "INSURER_APPROVAL_FALLBACK",
+    headline: "Awaiting next step",
+    detail:
+      "Inspect `status`, `claimStatus`, `workflow.currentStep`/`nextStep` or contact support.",
+    nextActions: [],
+    objectionAllowed,
+    objectionHint,
+  };
+}
diff --git a/src/helpers/claim-v2-expert-reply-workflow.ts b/src/helpers/claim-v2-expert-reply-workflow.ts
new file mode 100644
index 0000000..fc7616b
--- /dev/null
+++ b/src/helpers/claim-v2-expert-reply-workflow.ts
@@ -0,0 +1,67 @@
+import { ClaimCaseStatus } from "src/Types&Enums/claim-request-management/claim-case-status.enum";
+import { ClaimStatus } from "src/Types&Enums/claim-request-management/claimStatus.enum";
+import { ClaimWorkflowStep } from "src/Types&Enums/claim-request-management/claim-workflow-steps.enum";
+
+export interface ClaimPricingPartLite {
+  factorNeeded?: boolean;
+  partId?: string;
+}
+
+export function getActiveV2ExpertReply(claim: { evaluation?: Record<string, unknown> }): {
+  replyKey: "damageExpertReplyFinal" | "damageExpertReply";
+  reply: Record<string, unknown>;
+  parts: ClaimPricingPartLite[];
+} | null {
+  const fin = claim.evaluation?.damageExpertReplyFinal as
+    | { parts?: ClaimPricingPartLite[]; submittedAt?: Date }
+    | undefined;
+  const ini = claim.evaluation?.damageExpertReply as
+    | { parts?: ClaimPricingPartLite[]; submittedAt?: Date }
+    | undefined;
+  if (fin?.submittedAt && fin?.parts?.length) {
+    return { replyKey: "damageExpertReplyFinal", reply: fin as Record<string, unknown>, parts: fin.parts };
+  }
+  if (ini?.submittedAt && ini?.parts?.length) {
+    return { replyKey: "damageExpertReply", reply: ini as Record<string, unknown>, parts: ini.parts };
+  }
+  return null;
+}
+
+export function classifyV2ExpertPricingParts(parts: ClaimPricingPartLite[]) {
+  const factorNeeded = parts.filter((p) => p.factorNeeded === true);
+  const priced = parts.filter((p) => p.factorNeeded !== true);
+  return {
+    pricedPartsCount: priced.length,
+    factorNeededPartsCount: factorNeeded.length,
+    mixedFactorAndPrice:
+      factorNeeded.length > 0 && priced.length > 0,
+    allFactorLines: factorNeeded.length > 0 && priced.length === 0,
+    noFactors: factorNeeded.length === 0,
+  };
+}
+
+export function claimIsV2ExpertFactorUploadStep(claim: { workflow?: { currentStep?: string } }) {
+  return claim.workflow?.currentStep === ClaimWorkflowStep.OWNER_UPLOAD_FACTOR_DOCUMENTS;
+}
+
+export function claimIsV2PendingFactorExpertValidation(claim: {
+  status?: ClaimCaseStatus;
+  claimStatus?: ClaimStatus;
+  workflow?: { currentStep?: string };
+}) {
+  return (
+    claim.status === ClaimCaseStatus.WAITING_FOR_INSURER_APPROVAL &&
+    claim.claimStatus === ClaimStatus.UNDER_REVIEW &&
+    claim.workflow?.currentStep === ClaimWorkflowStep.EXPERT_COST_EVALUATION
+  );
+}
+
+export function objectionDisallowedDueToOutstandingFactorWorkflow(claim: {
+  workflow?: { currentStep?: string };
+}) {
+  const step = claim.workflow?.currentStep;
+  return (
+    step === ClaimWorkflowStep.OWNER_UPLOAD_FACTOR_DOCUMENTS ||
+    step === ClaimWorkflowStep.EXPERT_COST_EVALUATION
+  );
+}