Z-WIND™
AI Powered Wind Risk Assessment
ZestyAI's Z-WIND™ risk model scores each property for frequency & severity of wind claims.
Claims From Severe Convective Storms Are at an All-Time High
↳ The Challenge
Legacy models using wind simulations with limited property-specific data have failed to predict the scale of wind damage claims.
↳ The Solution
Predict wind claims with high accuracy using the interaction of climatology with property-specific features.
Breaking Down Wind Risk

Z-WIND™ Claim Frequency Score
Driven by climatological and property-specific factors, Z-WIND™ provides an accurate risk assessment of expected claim frequency for each property.
Adopted By Leading Insurers
-
“With ZestyAI, we can confidently operate in states prone to wind and hail while still writing business profitably. The combination of climate science and property-specific risk scoring gives us the right information to make the right decisions.”
Rick Smith
Underwriting Manager
Standard Casualty
-
“We can keep our premiums more stable and that should enable us to grow in areas where other insurers can’t grow as profitably."
William Pitts
Managing Vice President
Amica
-
“ZestyAI’s models will help us bring greater fairness and resilience to the market while equipping homeowners with practical mitigation guidance."
Kelly Campbell
Executive Director
Colorado FAIR Plan
Benefits
Driven by AI, Comprehensive Science, and Loss Data
- Improved Risk Selection
- Control Losses with Improved Product Fit
- Capture Low-Risk Market Share
- Proactive Portfolio Management
Strong Regulatory Momentum
Z-WIND 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.