Why Jencap Chose ZestyAI for Wildfire Risk Modeling

In today’s property insurance market, understanding wildfire risk at the individual structure level is more critical than ever. For wholesale brokers like Jencap, the ability to deliver actionable, data-driven insights to retail agents and carriers is essential, especially as wildfire conditions evolve rapidly across the country.

That’s why JenCap turned to ZestyAI.

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In the video above, Ben Beazley, EVP and Head of Property at JenCap, shares two key reasons why ZestyAI’s Z-FIRE™ model stood out:

• Structure-level precision: Z-FIRE analyzes wildfire risk at the individual property level—factoring in building materials, defensible space, vegetation, topography, and historical fire patterns to predict which homes are most vulnerable and which are more likely to withstand a fire.
• Continuously refreshed data: While the core model remains stable and DOI-approved, Z-FIRE is updated with the latest fire perimeters, confirmed loss locations, and vegetation data. This ensures it reflects the most current wildfire seasons and emerging risk patterns.
• Z-FIRE is already approved for rating and underwriting in every major wildfire-prone state. For JenCap and many others, it’s become a vital tool for evaluating wildfire exposure and supporting smarter decisions in high-risk areas.