Underwriting Confidence in High-Risk Markets

Underwriting Confidence in High-Risk Markets

How Standard Casualty Is Writing Smarter with ZestyAI

CustomerStandard Casualty Company is a specialist insurer focused on manufactured and modular homes across the southern U.S.—a market often underserved by traditional underwriting models due to rural exposures, limited fire protection, and higher complexity.

ChallengeAs a carrier focused on manufactured housing, Standard Casualty faced several compounding challenges:

1. Managing exposure to wildfires and severe convective storms
2. Relying on costly, time-consuming on-site inspections
3. Navigating state-by-state regulatory approvals
4. Underwriting homes in remote areas with limited emergency services

SolutionTo underwrite with greater precision in high-risk areas, Standard Casualty adopted ZestyAI’s risk models for wildfire, hail, and wind.

“Zesty gives us a twofold view: climate science plus severity for that specific risk. That kind of granularity is really a game changer.”

Impact- Greater underwriting confidence in catastrophe-prone areas

- Reduced reliance on in-person inspections

- Seamless alignment with regulatory requirements

The team also uses ZestyAI insights ahead of renewals to engage policyholders—encouraging risk reduction steps that protect homes, reduce losses, and improve retention.

In Their Words...