ZestyAI
: How to use it, features, and the business problems it solves

How to Use

1. Specify the target property or portfolio

   Connect a property address, a list of properties, or the underwriting portfolio to ZestyAI. Analysis begins by cross-referencing against its proprietary database that covers properties across the United States.

2. Select a peril-specific risk model

   Choose the model appropriate for the hazard you want to assess — wildfire (Z-FIRE), hail (Z-HAIL), wind (Z-WIND), severe convective storms (Z-STORM), or water and freeze damage (Z-WATER).

3. Retrieve property intelligence

   Z-PROPERTY uses aerial and satellite imagery to deliver granular property-level data, including 3D roof modeling and roof age estimation for each individual property.

4. Apply risk scores to underwriting and rate-making

   Use the calculated risk scores and segmentation to inform underwriting decisions, rate-making, reinsurance, and portfolio management.

5. Maintain regulatory compliance and ongoing monitoring

   Ensure explainability for regulators while continuously monitoring market trends (ZORRO Discover) and changes in property condition.

Features

• Peril-specific risk models

  AI models specialized by peril — wildfire, hail, wind, severe storms, water damage, structure fire, and more — quantify risk at the individual property level.

• Property intelligence (Z-PROPERTY)

  Generates 3D roof models and site characteristics from aerial and satellite imagery, making property condition visible without physical inspection.

• Roof age estimation

  Uses image analysis to accurately estimate the age of each property's roof — a key risk factor in property & casualty insurance.

• Risk segmentation

  Segments risk at a more granular level than traditional methods, supporting more precise underwriting and rate-making.

• Market and competitive intelligence (ZORRO Discover)

  Analyzes regulatory rate filings and market trends, and tracks competitor activity.

• Regulatory compliance and explainability

  Designed so that AI decision rationale can be explained in accordance with insurance regulations (NAIC guidelines and others), with an extensive track record of rate filing approvals.

• Broad coverage

  Built on a database covering nearly all properties in the United States, enabling bulk evaluation of an entire portfolio at once.

Pricing

Pricing is current as of June 2026. ZestyAI is an enterprise product for insurers and reinsurers; no fixed price list is published on the official website. Pricing is determined by individual quote based on volume of use, perils covered, and the specific products needed (Z-FIRE, Z-PROPERTY, etc.). Contact the company or request a demo for the latest information.

Pricing varies based on the number of properties, models used, and contract terms. Contact the official website to request a demo or quote.

Pros & Cons

Pros

• Enables granular property-level natural catastrophe risk assessment, supporting more precise underwriting and rate-making
• Provides property intelligence — including roof age and condition from image analysis — without requiring physical inspections
• Designed with regulatory explainability in mind, with an extensive track record of rate filing approvals
• Broad national coverage enables bulk evaluation of an entire portfolio at once

Cons

• Primarily targets the North American P&C insurance market; not directly applicable to Japanese properties or markets
• The interface and documentation are primarily in English; no Japanese-language support
• Enterprise-only product with undisclosed pricing; individual commercial engagement is a prerequisite

Reviews & User Feedback

• Underwriting teams at insurance companies have praised it: "The granular property-level risk segmentation has improved the accuracy of our underwriting decisions and rates."
• Compliance-conscious insurers note that "The ability to use it for regulatory explanations and rate filings sets it apart from other risk tools."
• For Japanese companies evaluating the product, common caveats include the North American market focus, English-only interface, and enterprise contract requirement.

FAQ

Q. What does ZestyAI do?

It is a decision-support platform that enables property & casualty insurers to assess natural catastrophe risk — including wildfire, hail, and wind — at the individual property level, and apply that analysis to underwriting decisions, rate-making, and portfolio management.

Q. How much does it cost?

No fixed price list is published on the official website. Pricing is based on a custom quote that depends on the number of properties, perils, and products used. Contact the company or request a demo to get a quote.

Q. Is Japanese supported?

The interface and documentation are primarily in English; Japanese is not supported. The platform also primarily targets the North American P&C insurance market.

Q. What data is used to calculate risk?

Risk scores and segmentation at the property level are calculated by combining aerial and satellite imagery, climate and weather data, and historical loss data.

How ZestyAI Differs from Traditional Risk Assessment

For more detailed comparisons, see the individual pages for related services.