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Z-WIND™

AI Powered Wind Risk Assessment

ZestyAI's Z-WIND™ risk model scores each property for frequency & severity of wind claims.

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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

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.

Z-WIND™ Claim Severity Score

Z-WIND™ Claim Severity Score

Z-WIND™ combines a variety of roof attributes with historical losses to understand just how serious a future claim may be.

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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

  1. Improved Risk Selection
  2. Control Losses with Improved Product Fit
  3. Capture Low-Risk Market Share
  4. Proactive Portfolio Management

Strong Regulatory Momentum

Z-WIND Regulatory Map

Strong Regulatory Momentum

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.

Z-VIEW™ Application

Zero IT Integration & Easy to Use

Z-VIEW™  Application

Z-VIEW™ is a web-based application that gives users the ability to quickly access Z-WIND™ scores and top drivers of risk for any address.

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  • Unprecedented transparency
  • Easy address lookup
  • Top drivers of risk
  • Recent aerial imagery

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