Regulatory Zest

Expanding Regulatory & Government Affairs

ZestyAI's Regulatory team has formally expanded into Regulatory & Government Affairs, reflecting a broader and more strategic role.

These are the four key areas:

1. Product Approval & Enablement

‍End-to-end filing strategy support, leveraging ZestyAI's Rate Service Organization (RSO) licenses to streamline approvals and reduce time to market.

2. Regulatory Policy & Standards

Monitoring and interpreting emerging state and NAIC requirements, and translating them into actionable guidance for product development and filings.

3. Government & External Affairs

Building trusted relationships with regulators and policymakers to drive alignment on AI-driven risk models.

4. Technical Leadership & Education‍

Delivering transparent, technically rigorous explanations of ZestyAI models to support regulatory review and build industry understanding.

This expanded scope enables ZestyAI to serve not just as a model provider, but as a strategic partner in navigating an increasingly complex regulatory environment.

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ZestyAI enables end-to-end compliance through a unified platform:

• Mitigation Integration — Z-FIRE incorporates defensible space, structure characteristics, vegetation, wildfire history, and fuel exposure directly into risk scoring.
• Consumer Transparency & Disclosures — Scores, ranges, relative position, key drivers, and mitigation impacts are delivered via API and Z-VIEW for clear, plain-language communication.
• Appeals & Governance — Z-VIEW provides a structured appeals workflow with audit trails, data correction, and regulator-ready documentation aligned with 10/30-day requirements.
• Filing & Model Transparency — Full support for filing documentation, including model methodology, rate impact analysis, and underwriting integration.‍
• Ongoing Policyholder Engagement — Quarterly imagery refresh and scenario planning ensure mitigation actions are continuously reflected in risk assessments.

AI-powered analytics solution to assist with underwriting and rating processes.

SAN FRANCISCO, Calif., and WALNUT CREEK, Calif., Nov. 16, 2022 – As wildfires continue to threaten states across the U.S., ZestyAI, a leading provider of climate and property risk analytics solutions powered by Artificial Intelligence (AI), has partnered with CSAA Insurance Group for wildfire risk assessment. To help gauge property-level wildfire risk, CSAA plans to integrate ZestyAI's, Z-FIRE™ into underwriting and rating processes for homeowners’ insurance.

“With climate change altering the face of insurance, AI is an increasingly important tool for forward-thinking insurers,” said Attila Toth, founder, and CEO of ZestyAI. “We are committed to supporting CSAA on its journey to offering innovative products that are backed by data-driven risk analysis.”

This partnership comes as wildfires continue to cause destruction in multiple states across the country. Z-FIRE™ provides wildfire risk scores for all properties in the 48 contiguous U.S. states. In addition, a joint study by the Insurance Institute for Business & Home Safety (IBHS) and ZestyAI, which studied more than 71,100 wildfire-exposed properties, found that property owners who clear vegetation from the perimeter of their home or building can nearly double their structure's likelihood of surviving a wildfire.

“Our goal is to continuously find better ways to serve our policyholders,” said Rick Lanter, senior vice president of product strategy and development for CSAA Insurance Group. “By broadening our understanding and application of AI, we expect to more accurately estimate wildfire risks in support of our customers.”

Z-FIRE™ is expected to be offered in several CSAA markets.

About ZestyAI

ZestyAI offers insurers and real estate companies access to precise intelligence about every property in North America. The company uses AI, including computer vision, to build a digital twin for every building across the country, encompassing 200 billion property insights accounting for all details that could impact a property’s value and associated risks, including the potential impact of natural disasters. Visit zesty.ai for more information.

About CSAA Insurance Group

CSAA Insurance Group, a AAA Insurer, offers automobile, homeowners and other personal lines of insurance to AAA Members through AAA clubs in 23 states and the District of Columbia. Founded in 1914, the company has been rated “A” or better by AM Best for more than 90 years, and is one of the top personal lines property casualty insurance groups in the United States, according to the National Association of Insurance Commissioners. The company has been repeatedly named one of the 50 most community-minded companies in America by Points of Light. More information is available at http://csaa-insurance.aaa.com and on social media (Facebook, Twitter, LinkedIn, Instagram).

Filing Strategy: Scaling Adoption of Risk Models

ZestyAI continues to advance a proactive, scalable filing strategy focused on accelerating adoption of all of our models.

Across all programs, ZestyAI’s approach emphasizes:

• Clear documentation of model methodology and validation
• Alignment with state-specific regulatory requirements
• Reusable filing artifacts to improve speed and consistency
• Early and direct engagement with regulators to streamline review

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