Elevating Insurance Risk Models: How ZestyAI Powers Smarter Data-Driven Decisions

National insurance carriers have long relied on sophisticated models to drive underwriting accuracy and profitability.

But even the most advanced systems can benefit from fresher, more granular, and unique data inputs.

That’s where ZestyAI comes in. With 97%+ U.S. property coverage and exclusive data points—like roof condition and building permits—ZestyAI provides national carriers with the data needed to supercharge their existing models and achieve unparalleled accuracy in risk assessment.

Every insurance model thrives or falters based on the quality of its inputs. Using computer vision and AI-powered insights, ZestyAI captures property-specific features with unmatched precision and is updated multiple times annually. This allows carriers to access insights they’ve never had before, including:

• Roof Condition and Complexity: ZestyAI’s 3D analysis evaluates every facet, penetration, and angle of a roof, providing a complete view that powers complex rating models.
• Parcel-Level Features: Detailed property-level data, such as driveway condition, building permits, lot debris, and overhanging vegetation, reveal nuanced risks for underwriting.
  Climate, Geography, and Infrastructure Variables: Comprehensive data encompassing topography, slope, climate factors, and critical infrastructure.

Why National Carriers Choose ZestyAI as a Data Partner

Adopting an off-the-shelf solution isn’t always the right fit for national carriers with robust internal modeling teams. Instead, these insurers benefit from ZestyAI’s ability to integrate powerful datasets into their existing infrastructure seamlessly. Key advantages include:

• Data Uniqueness: Proprietary insights like property updates and nuanced parcel-level conditions unavailable from public or conventional sources.
• Broad and Deep Coverage: 97%+ U.S. property coverage ensures nationwide relevance.
• Change Detection and Data Recency: AI-driven updates keep your models ahead of evolving risks with near-real-time insights.

By integrating ZestyAI’s data, carriers can complement their models and ensure their outputs are informed by the latest, most comprehensive property-level information.

Driving Precision with a Science-Driven Approach 

At ZestyAI, science and a hypothesis-driven approach form the foundation of our offerings. Hundreds of variables are tested for each model, carefully selected and validated to ensure they meet both logical and causal standards—not just correlations. This rigorous methodology ensures compliance with regulatory scrutiny and real-world risk prediction.

Immediate Benefits, Long-Term Value

• Enhanced Model Accuracy: ZestyAI’s data serves as a diagnostic lens, revealing what’s missing in your existing frameworks and sharpening predictions.
• Operational Efficiency: Recent upgrades to ZestyAI’s API infrastructure, including a 50% reduction in response times and a 10x increase in data processing power, ensure carriers can seamlessly integrate real-time insights into their workflows. These enhancements enable faster decision-making and improved scalability, helping insurers stay ahead in an evolving risk landscape.
• Regulatory Readiness: Transparent, explainable data sources ensure compliance with even the most stringent underwriting regulations.