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After years of working with leading insurers, one reality has become undeniable: enterprise data quality is one of the biggest hidden risks in the industry.
The Problem: Carriers Don’t Trust Their Own Data
Data enters the system at the quote stage. That means it often comes directly from agents and policyholders—well-intentioned, but subjective. Did the policyholder really know the exact roof age? Did the agent catch the secondary structures in the backyard?
Inspection resources are limited, and most carriers can’t validate this information at scale. The result is a house of cards: data that looks complete in the policy system, but is riddled with blind spots and inconsistencies.
And even when the data is accurate in the moment, it quickly decays. Structures are living assets, meaning:
- Roofs degrade.
- Weather events roll through.
- Families expand, renovate, and change how they use the property.
- Secondary structures, pools, trampolines, and solar panels appear overnight.
The underwriting file that was “clean” at binding can be outdated and incomplete by renewal. Over time, carriers lose confidence that they have a real view of risk.
The Six Dimensions of Data Quality
Data quality isn’t one thing—it’s multidimensional. For carriers, the challenge is ensuring property data is:
- Accurate: Correct at the point of use, not just at intake.
- Complete (and unbiased): Captures all risk-relevant details, verified against independent sources so fields aren’t left blank, misstated, or skewed by incentives.
- Consistent: Aligned across systems, from quoting to claims.
- Valid: Structured to meet business and regulatory rules.
- Timely: Refreshed when things change, not years later.
- Unique: De-duplicated, with a single source of truth.
By this standard, most carrier data today is falling short.
From Data Quality to Data Integrity
Data quality is foundational, but it’s only part of the picture. True data integrity comes from combining accurate data with the right context and continuous observability.
That means not just having the right roof age or square footage, but knowing whether that data has changed, and whether it aligns with other signals in the environment. It means having a complete, transparent, and continuously updated picture of every property.
The ZestyAI Solution: Verified, Transparent Property Data
At ZestyAI, we built our property intelligence platform to solve exactly this problem. By unifying multiple independent data streams—and applying AI to synthesize them—we deliver property data that carriers can trust.
Here’s how we do it:
Imagery + Computer Vision
We ingest aerial, satellite, and terrestrial imagery, then apply over 90 proprietary computer vision models. These models don’t just “see” a property; they interpret it. That means extracting hard-to-get details like:
- Roof condition and penetrations
- Yard debris and overhanging vegetation
- Secondary structures and solar panels
This creates a dynamic, objective record of what’s on the ground, property by property.
Geospatial and Hazard Data
Context matters. We overlay geospatial layers to understand how a property interacts with its environment, including wildfire exposure, flood risk, and more.
Building Permits
Using large language models (LLMs), we extract and synthesize the real changes reflected in building permits: bathrooms added, kitchens renovated, roof replacements, solar installations. Permits reveal what’s changed, not just what was once approved.
Market and Public Records
We enrich the picture with MLS transactions, tax assessments, climatology, topography, and infrastructure data. Together, these data sources confirm and contextualize what imagery and permits reveal.
Standards and Designations
We integrate authoritative designations, such as IBHS Fortified™ standards, to validate resilience features.
Each data source adds a layer of verification. Together, they create a comprehensive, continuously updated property record that carriers can rely on.
Why This Matters: Enterprise Data Quality Transformed
When carriers bring ZestyAI data into their systems, the impact is immediate:
- More Accurate Underwriting and Rating: Quote data is validated against independent sources. That means fewer surprises at claim time, more consistent rating, and appropriate premiums.
- Change Detection and Accurate Renewals: Our models detect what’s changed since policy inception, leading to smarter renewal decisions, more proactive outreach to policyholders, and reduced leakage.
- Better Reinsurance Negotiations: Clean, transparent data helps carriers secure the right terms, conditions, and pricing from reinsurers—because they can prove their book is based on verified risk, not guesswork.
- Operational Efficiency: By replacing guesswork and manual inspection with AI-verified data, carriers reduce expenses and focus resources where they matter most.
- More Accurate Customer Communications: Data quality isn’t just about pricing and underwriting. It’s about trust. Verified property details enable carriers to send personalized, timely, and accurate communications.
- Renewal notices, policy updates, or even hurricane prep guidance land with credibility because they reflect the customer’s real property. That strengthens engagement, reduces confusion, and builds long-term retention.
The Bottom Line
Carriers can’t compete in today’s market with messy, decaying data. Enterprise data quality is no longer a “back office” concern. It’s a competitive edge.
ZestyAI’s property intelligence platform solves the problem at its core: by continuously verifying property data with imagery, geospatial science, permits, and AI-powered interpretation.
That’s how carriers build trust in their data. That’s how they write better risks, renew smarter, negotiate stronger, and communicate with customers more effectively.