Z-HAIL™
Hail Risk Assessment Based on Roof Anatomy
Z-HAIL™ is the first hail risk model to give insurers insights into a roof’s susceptibility to hail claims and the potential severity of those claims.
Hail is One of the Fastest Growing Perils in North America
↳ A Legacy Problem
Insurers grapple with skyrocketing hail losses, with traditional models providing inadequate protection.
↳ A Modern Solution
ZestyAI predicts each property's susceptibility to hail damage based on climate and building characteristics.
Getting Ahead of Claims
Z-HAIL™ Claim Frequency Score
Z-HAIL™ incorporates scientific research that shows that claim frequency is affected by both accumulated damage from previous storms and exposure to future hail events.
Adopted By Leading Insurers
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“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
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“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
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“70% of what we pay out in losses are rooftop-related—wind and hail. ZestyAI gives us the granularity to evaluate not just the probability of those perils, but the specific vulnerability of each property. That level of precision is a game changer for underwriting.”
Rick Smith
Underwriting Manager
Standard Casualty
Benefits
Driven by AI, Comprehensive Science, and Loss Data
- Enhanced Underwriting
- Premiums Commensurate with Risk
- Refined Deductible Strategy
- Portfolio Optimization
Assess Hail Risk More Effectively
First of Its Kind Research
Milliman Analyzes ZestyAI’s Z-HAIL Model
Modernizing Homeowners Rate Plans in the Age of Changing Climate Risk
In a whitepaper commissioned by ZestyAI, Milliman performed an analysis of how ZestyAI’s Z-HAIL risk score could be used to identify property risk exposure to hail.
- Milliman's analysis showed that ZestyAI’s Z-HAIL risk score could be used to segment properties based on exposure to hail risk.
- Over a period of seven years, properties with a Z-HAIL score of 10 had a reported loss ratio of 50.4% compared to only 2.4% for properties with a Z-HAIL score of 1, which corresponds to a highest to lowest loss ratio lift of 21X.
Approved and Proven Across America’s Hail Belt
Precision modeling, regulatory confidence, real-world validation
Z-HAIL has earned regulatory approval across hail-exposed regions of the U.S., delivering proven accuracy and transparent performance that meet the highest industry standards. Built for compliance and precision, Z-HAIL helps insurers to rate and underwrite hail risk with clarity, confidence, and control.
