ZestyAI
: How to use it, features, and the business problems it solves
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What is ZestyAI?
A decision-intelligence platform for property & casualty (P&C) insurers that uses AI to analyze aerial imagery, 3D roof modeling, and property data to quantify natural-catastrophe risk at the property level. With peril-specific models (Z-FIRE for wildfire, Z-HAIL for hail, Z-WIND for wind, etc.) and property intelligence (Z-PROPERTY), it supports underwriting, rating, and portfolio management.
Business problems it solves
About "ZestyAI"
What is ZestyAI
ZestyAI is a "risk decision platform" for property & casualty (P&C) insurers that uses AI to analyze aerial imagery, 3D roof modeling, and permit/property data to quantify natural-catastrophe risk at the property level. Under the banner "Trusted AI Powering Every Insurance Decision," it provides a risk-decisioning foundation for underwriting, rating, and portfolio management that is adopted by carriers and approved by regulators.
At its core, ZestyAI scores per-property catastrophe risk from aerial imagery and delivers it in a form usable for underwriting and rating. It combines peril-specific models — wildfire, hail, wind, water — with property intelligence based on 3D roof modeling. It covers 99.7% of U.S. properties and cites 200+ regulatory approvals.
ZestyAI is an insurance platform specialized in "catastrophe-risk decisioning." It offers peril-specific models: Z-FIRE (wildfire), Z-HAIL (hail), Z-WIND (wind), Z-STORM (severe convective storm), Z-WATER (non-weather water), and Z-SPARK (non-weather fire). It also includes Z-PROPERTY (3D roof modeling and property intelligence) and ZORRO Discover (agentic AI that analyzes regulatory/competitor activity). Its AI is trained on proprietary loss data; specific model names are not disclosed.
How to use
Enter a property, and get catastrophe risk and property information.
Specify a property
Specify the target property by address, etc.
Score the risk
Score risks like wildfire, hail, wind, and water.
Get property info
See the 3D roof model, roof condition, and age.
Use in underwriting/rating
Embed via API into underwriting, rating, and portfolio management.
It is offered B2B/enterprise to insurers, primarily via API integration. Pricing is not public (request a demo), and it provides regulator-approved models.
Key features
01Peril-specific risk models
Scores per-property risk by peril: wildfire (Z-FIRE, approved across the western U.S.), hail (Z-HAIL), wind (Z-WIND), severe convective storm (Z-STORM), and non-weather water (Z-WATER) and fire (Z-SPARK).
02Property intelligence (Z-PROPERTY)
With 3D roof modeling and parcel-level property data, it captures roof condition, age (Roof Age), and more. Built on aerial-imagery analysis, it covers 99.7% of U.S. properties.
03Regulatory/competitive analysis (ZORRO Discover)
Includes "ZORRO Discover," an agentic AI that analyzes regulatory filings and competitor activity. It supports team-specific solutions across underwriting, renewals, rating, concentration risk, and reinsurance.
Pricing
Pricing is not public (contact sales / request a demo). It is offered B2B/enterprise to insurers.
| Item | Details |
|---|---|
| Delivery | API integration (for P&C insurers) |
| Pricing | Not public (request a demo) |
| Note | Regulator-approved models (claims 200+ approvals) |
Specific amounts are not published on the official site. Request a demo/inquire when evaluating adoption. See the official site for the latest (as of August 2026).
How it differs from other property-risk / image-analysis AIs
ZestyAI stands out by scoring per-property, peril-specific risk from aerial imagery and 3D roof models, delivered as regulator-approved models that plug into insurance decisions. It differs from general image analysis or coarse region-level risk assessment in its optimization for the insurance domain and its granularity.
| Aspect | ZestyAI | Restb.ai | Traditional risk assessment |
|---|---|---|---|
| Focus | P&C catastrophe-risk scoring | Real-estate photo analysis | Region-level, manual |
| Strength | Peril models, 3D roof, regulatory approval | Room/condition tagging | Proven but coarse |
| Delivery | API/enterprise | API | — |
Restb.ai, which analyzes real-estate photos, and traditional risk assessment make good points of comparison. For P&C insurers that want to precisely score catastrophe risk per property and embed it into underwriting and rating, ZestyAI is a strong option.
The information on this page is based on the official site as of August 2026. Please check the official site for the latest specifications and pricing.
