ZestyAI

ZestyAI: AI Property and Climate Risk for Insurance

ZestyAI is Climate and property risk models built on aerial imagery + permits + claims. ZestyAI is one of the few climate-risk vendors that has cleared state regulator review for use in rating. That regulatory acceptance is the moat — and the reason California carriers can re-enter the market with their wildfire model.

Key Features

• Climate and property risk models built on aerial imagery + permits + claims
• Z-FIRE wildfire model approved for use in California and Colorado
• Z-PROPERTY scores roof, exterior, and structural condition
• 150M+ US property profiles continuously updated
• Used by major carriers for underwriting, rating, and renewals

Ideal Use Case

Personal lines and small commercial insurers under climate pressure — wildfire, hail, hurricane — looking for property-specific risk signals beyond ZIP-code averages.

Why Use ZestyAI

ZestyAI is one of the few climate-risk vendors that has cleared state regulator review for use in rating. That regulatory acceptance is the moat — and the reason California carriers can re-enter the market with their wildfire model.

FAQ

Q: Approved by? A: California Dept of Insurance approved Z-FIRE for rating.

Q: Coverage? A: 150M+ US residential and small commercial properties.

tl;dr

AI property and climate risk analytics. Z-FIRE wildfire model. Used by major US insurers.

More Details

• Building-by-building roof condition scoring from aerial imagery
• Z-FIRE wildfire model approved for rating in California and Colorado
• Z-PROPERTY scoring adopted by Travelers, Farmers, AAA, and others

Additional FAQ

Q: Approved by? A: California, Colorado, Oregon for use in rating filings.

Q: Image source? A: Proprietary aerial imagery + satellite + permits + claims.

Related

Looking for more options? Browse the Insurance directory or read our best AI insurance tools listicle. ZestyAI is also tracked on Crunchbase.