Which of the following groups of words is a sentence fragment?
a. we stopped; she didn't.
b. stopping by the garden, we saw that the flowers were in bloom.
c. when we stopped by the garden.

the pronoun reference replaces a noun, but you have to make sure there's no room for confusion.

in the first sentence "her" could be referring to shely or to the sister. the answer there is "shelly called her sister and told her about the new baby."

in the second sentence "it" could be referring to the roof or the floor. the answer there is "since the roof leaks on the family room floor, we need to repair the roof."

remember, the goal of an adjective clause is to add more information to a noun or a pronoun. as you can see from the examples above, you can add information by including a longer adjective clause or tighten up a sentence by turning the adjective clause into an adjective phrase.