Regulatory Zest

Expanding Regulatory & Government Affairs

ZestyAI's Regulatory team has formally expanded into Regulatory & Government Affairs, reflecting a broader and more strategic role.

These are the four key areas:

1. Product Approval & Enablement

‍End-to-end filing strategy support, leveraging ZestyAI's Rate Service Organization (RSO) licenses to streamline approvals and reduce time to market.

2. Regulatory Policy & Standards

Monitoring and interpreting emerging state and NAIC requirements, and translating them into actionable guidance for product development and filings.

3. Government & External Affairs

Building trusted relationships with regulators and policymakers to drive alignment on AI-driven risk models.

4. Technical Leadership & Education‍

Delivering transparent, technically rigorous explanations of ZestyAI models to support regulatory review and build industry understanding.

This expanded scope enables ZestyAI to serve not just as a model provider, but as a strategic partner in navigating an increasingly complex regulatory environment.

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ZestyAI enables end-to-end compliance through a unified platform:

• Mitigation Integration — Z-FIRE incorporates defensible space, structure characteristics, vegetation, wildfire history, and fuel exposure directly into risk scoring.
• Consumer Transparency & Disclosures — Scores, ranges, relative position, key drivers, and mitigation impacts are delivered via API and Z-VIEW for clear, plain-language communication.
• Appeals & Governance — Z-VIEW provides a structured appeals workflow with audit trails, data correction, and regulator-ready documentation aligned with 10/30-day requirements.
• Filing & Model Transparency — Full support for filing documentation, including model methodology, rate impact analysis, and underwriting integration.‍
• Ongoing Policyholder Engagement — Quarterly imagery refresh and scenario planning ensure mitigation actions are continuously reflected in risk assessments.

DUAL North America Inc.’s (“DUAL”) personal property division has selected ZestyAI’s Z-STORM™ model to enhance storm-risk underwriting and pricing as it continues its rapid US expansion.

The partnership equips DUAL with sharper risk differentiation, more accurate underwriting and pricing, and a stronger foundation for sustainable growth in regions increasingly affected by severe convective storms.

By adopting ZestyAI’s severe convective storm model, DUAL will strengthen its ability to identify and price the combined effects of hail and wind with greater precision. This will enable faster, more informed decisions and profitable expansion while maintaining regulatory compliance.

The collaboration reflects DUAL’s continued investment in advanced analytics and technology to support long-term growth.

The specialty program administrator, offering more than 40 insurance products and surpassing $1.3 billion in gross written premium in 2024, continues to broaden its capabilities across commercial, specialty, and personal lines.

Luke Wolmer, Chief Actuary at DUAL, said:

“As we continue to grow across personal property lines, having accurate risk prediction at the property level is crucial."

Z-STORM gives us a more nuanced understanding of storm vulnerability, helping us recognize differences in risk that traditional models overlook. This enhances our team’s confidence in pricing decisions and will support our continued expansion across the U.S.”

Z-STORM is an AI-powered risk model that evaluates the combined effects of hail and wind to predict the frequency and severity of storm-related damage at the property level. By analyzing the interaction between local climatology and the unique characteristics of every structure—including roof condition, material, and surrounding exposure—the model delivers precise, property-specific insights into storm vulnerability.

In September 2025, ZestyAI introduced mitigation-aware scoring to its severe convective storm suite, allowing insurers to dynamically adjust risk scores to reflect verified improvements such as roof replacements, upgraded materials, or corrected property data. This enhancement gives carriers a scalable way to recognize mitigation within pricing and underwriting workflows, advancing transparency and regulatory alignment.

Attila Toth, Founder and CEO of ZestyAI, said:

“DUAL’s adoption of Z-STORM reflects a forward-thinking approach to storm risk management."

"By applying property-level risk analytics and mitigation-aware scoring, DUAL is positioned to underwrite more precisely, grow responsibly, and strengthen community resilience across the regions that are most exposed to extreme weather”.

ZestyAI’s storm models are regulatory reviewed and ready to use across the Great Plains, Midwest, and U.S. South, regions most impacted by severe convective storms, and are actively used by carriers for rating and underwriting.

Filing Strategy: Scaling Adoption of Risk Models

ZestyAI continues to advance a proactive, scalable filing strategy focused on accelerating adoption of all of our models.

Across all programs, ZestyAI’s approach emphasizes:

• Clear documentation of model methodology and validation
• Alignment with state-specific regulatory requirements
• Reusable filing artifacts to improve speed and consistency
• Early and direct engagement with regulators to streamline review

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