Columbia Lloyds Taps ZestyAI to Sharpen Risk Decisions in Hail Alley
Houston-based regional carrier adopts AI-powered risk analytics and verified roof age to sharpen exposure data and strengthen risk decisions.
Columbia Lloyds Insurance Company, a Houston-based regional insurer serving homeowners across Texas, Oklahoma, and Arkansas, has selected ZestyAI's Risk and Decision Intelligence platform to sharpen underwriting accuracy, strengthen portfolio management, and improve visibility into property condition and risk exposure across its book of business.
Columbia Lloyds will use ZestyAI's Z-PROPERTY™ model to evaluate roof complexity, materials, condition, and surrounding risk factors that directly shape loss potential and underwriting outcomes. Paired with ZestyAI's Roof Age — which cross-validates building permit records against more than 20 years of aerial imagery to detect replacement events that traditional records miss and assigns a confidence score to every property — the carrier gains a verified, property-level view of exposure it can apply consistently across its homeowners book.
"We write homeowners business in some of the toughest weather territory in the country,” said Sam Bana, Chief Operating Officer of Columbia Lloyds.
"ZestyAI gives us the verified property data we need to make better decisions on every risk we write and across the portfolio as a whole.”
"The carriers succeeding in the most weather-exposed markets today are the ones operating on verified, property-level data rather than assumptions," said Attila Toth, Founder and CEO of ZestyAI.
"Columbia Lloyds is taking a disciplined approach to how they underwrite, price, and manage exposure, and we're proud to support how they're shaping a more resilient book across Texas, Oklahoma, and Arkansas."
ZestyAI's models are built with transparency, validation, and regulatory readiness at the forefront, giving insurers confidence to rely on them in portfolio decisions. With more than 200 regulatory approvals secured nationwide, the platform is used by leading insurers to improve underwriting accuracy, manage exposure, and reduce loss volatility across weather- and non-weather-driven perils.
