Residential Building Insurance - Roof Shape / Roof Extension

You are making it way too complicated. Since you can presumably also get to the bedrooms under the roof via a staircase, it is finished. A bungalow is not finished. In our case, the roof is even more drastically converted as living space than an airspace, the ground floor practically extends into the upper floor, so it is finished, the other side consists of so-called living rooms on the upper floor. And that's the point: is it converted for living purposes or not?

We have a house with a staggered shed roof (double shed roof), consisting of a ground floor and upper floor. The insurance wants to know whether we have a developed or undeveloped attic.

Neither: You have no attic at all. Your upper floor has open roof undersides, so there is absolutely no ceiling as the floor of an above attic, neither used for storage nor living. Not II + D, but II + nothing.

I would be interested to know if you made a concrete ceiling. Or is the wooden roof truss lying directly on the masonry without a concrete ceiling?

No, it is l plus D It is nothing special!