Hardcore Painting requirement as defined by Privateer Press in Steamroller Rules:
Hardcore Painting Required – For Hardcore tournaments, all the Steamroller ―Modeling and Painting‖ and ―Conversions‖ rules apply. In addition, all models must be completely painted. This
means that every model must be painted with a reasonable diversity of color. Individual elements of the miniature must be distinguishable by color or shading. For instance, flesh must be a different color than hair or clothing; metal should be a different color than leather. The base is part of the model, so don't neglect it! Bases must be finished with sand or flock or otherwise modeled and painted. Models that do not meet these requirements will not be eligible for play.
Whether a model is completed is the decision of the event organizer. As a general rule, if someone feels the need to justify why a model is completed, it probably isn’t.