I'm pretty sure that the cameras don't have an IR cut filter, so should be at least as good as any cheap CCTV camera, and be able to get some usable imagery when there's no visible light. Also, the difference between a defective camera and one that's just partially obscured, should be very easy to detect, as an obscured camera will still have some noise from the sensor.
My guess is that this message pops up when the image processing software can't resolve enough detail to be of any value. I've noticed that this message comes up in spring and autumn, when low sun blinds one or other of the side cameras, and that would tally with it being possibly a signal processing issue. It may be that some of the problems can be resolved in software, perhaps by a combination of better adjustment of the camera iris/exposure control and by selectively processing only the part of the sensor that's not been saturated by a bright spot. It may be that the night time issue can be resolved by better noise reduction software. The newest CCTV camera I've installed seems to have an amazing ability to pull an image out of the noise, and it seems to be able to do this primarily by signal processing, the sensor is still a cheap CMOS one, rather than a CCD.