Roof Material
The material of a roof affects longevity, vulnerability, and replacement cost. Knowing the material of a roof at the start of the policy lifecycle allows for smarter decisions and reduces premium leakage.
Digital Roof™
Automated Assessment of Roofs from the Sky
ZestyAI provides unique insights about each and every roof in North America.
Roof claims are the leading driver of insurance losses.
↳ In The Past
Roof information was pieced together through self reported information and inspections.
↳ Today's Roof Insights
ZestyAI takes the guesswork out of assessing the risk and replacement value for every roof.
Quantifying Roof Risk and Value
Roof Complexity
The value of a roof is heavily tied to its complexity. Insurers and real estate partners take advantage of the most powerful and relevant roof data for every property in North America, including:
- Facets
- Ridges
- Valleys
- Pitch
- Eave Height
- And Many More
Roof Condition
ZestyAI’s Digital Roof utilizes high-resolution aerial imagery to categorize roofs into five condition levels. Insurers leverage roof condition in underwriting and rating, as well as combining condition with other powerful digital roof features for inspection optimization.
Adopted By Leading Insurers
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“In leveraging ZestyAI’s advanced risk models, we're able to further support homeowners in securing comprehensive coverage for their most valuable assets, while also continuing to strengthen our underwriting capabilities as we continue to grow."
Ori Hanani
Senior Vice President of Insurance
Lemonade
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“ZestyAI’s property insights have set a new benchmark for accuracy and innovation. The flexibility of their solutions and the ability to evaluate large insured portfolios in a matter of days provide tremendous value to us."
David Flitman
CEO
Safepoint Holdings
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“By leveraging ZestyAI’s comprehensive property insights, we will be able to better manage our on-site inspection process, identifying the properties that need that extra level of attention, allocating our field inspection resources to the properties where they are needed the most.”
Randall Graham
Underwriting Manager
South Carolina Farm Bureau Mutual Insurance Company
Key Roof Features
Available for Both Personal and Commercial Lines
Roof Shape
Differentiation between hip, gable, mixed, flat, and other roof types allows carriers to better estimate roof replacement cost.
Solar Panels
Solar panel insurance coverage is included in most homeowners insurance policies. As the adoption of solar increases, ZestyAI’s Digital Roof gives carriers increased visibility into which policies on their book may carry the risk of a solar panel claim.
Skylights
Skylights often let more into a home than light. They are a common source of leaks and insurance claims.
Benefits
For Insurance & Real Estate
- Faster, more accurate quotes; fewer post-bind cancellations
- Lower loss ratios through superior risk selection
- Improved premium capture
- Underwriting inspection optimization