Donegal Insurance Group® Expands ZestyAI Partnership to Power Property-Level Risk Decisions Across Its Personal Lines Property Portfolio
Building on two years of roof age intelligence, Donegal adds Z-PROPERTY™ to bring the same verified data standard to every property characteristic that shapes risk
Donegal Insurance Group has expanded its partnership with ZestyAI, adding Z-PROPERTY™ to deepen its understanding of the properties and exposures across its personal lines portfolio.
The expansion builds on a relationship that began in 2025, when Donegal selected ZestyAI's Roof Age solution to improve its own internal data and understanding of property risk across its homeowners business. Roof Age combines building permit records with more than 20 years of historical aerial imagery to pinpoint roof replacement events, delivering near-complete coverage of the contiguous United States with accuracy above 90%, turning a historically unreliable data point into one Donegal's underwriters could trust.
With Z-PROPERTY, Donegal is bringing that same accuracy and verification to the most critical property variables: roof condition, roof complexity, lot debris, and other features that impact risk and capture premium. That gives portfolio managers the evidence to make better risk decisions on policies, and gives Donegal a verified view of exposure across its personal lines portfolio.
"The quality of our decisions depends on the quality of the information behind them," said Jeffery Hay, Chief Underwriting Officer at Donegal Insurance Group.
"Our initial work with ZestyAI strengthened the roof age data available to our teams. Expanding the relationship gives us a more complete understanding of the properties we insure and greater confidence in how we evaluate, manage and reinsure risk."
"Donegal has experienced the benefits of our verified roof age data with regard to underwriting,” said Attila Toth, Founder and CEO of ZestyAI.
"Z-PROPERTY extends that standard across the entire portfolio. The carriers pulling ahead are the ones whose decisions rest on data they can defend."
ZestyAI has earned more than 500 regulatory approvals nationwide, giving insurers a trusted, market-tested foundation for putting property-level intelligence to work in the risk decisions that matter most.
