Z-STORM™
Predicting Severe Convective Storm Claims with Property-Level Precision
ZestyAI’s Z-STORM risk model scores each property for frequency and severity of claims from severe convective storms
70% of global insured losses are driven by severe convective storms
↳ The Challenge
The traditional risk approaches, such as actuarial and stochastic models, are coming up short in predicting and preventing losses from severe convective storms.
↳ The Solution
Z-STORM predicts and prevents storm claims with high accuracy using the interaction of climatology with property-specific characteristics.
Uncover Storm Risk

Z-STORM Claim Frequency Score
Driven by exposure to severe convective storm events, accumulated damage, and potential points of failure on the roof, Z-STORM delivers an accurate risk assessment of expected claim frequency for each property.
Benefits
Driven by AI, Comprehensive Science, and Loss Data
- Enhance underwriting
- Refine deductible and ACV endorsement strategy
- More accurate wind/hail peril rating
- Uncover accumulated risk on the books
Strong Regulatory Momentum
Z-STORM Regulatory Map

ZestyAI is actively pursuing regulatory approval in states susceptible to severe weather. Our goal is to equip insurance carriers with transparent and compliant solutions for precise property risk assessment and underwriting.
Adopted by Leading Insurers
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“We feel like we have the confidence now to operate profitably in states that have difficult peril situations.”
Rick Smith
Underwriting Manager
Standard Casualty
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"Expanding our partnership with ZestyAI allows us to further enhance our ability to assess climate risk with greater precision. These insights help us collaborate with policyholders to mitigate property vulnerabilities, ultimately strengthening portfolio resilience."
Shawn Beenken
Associate Vice President
Berkshire Hathaway Homestate Companies