Close Menu


Hail Risk Assessment Based on Roof Anatomy

Z-HAIL™ is the first hail risk model to give insurers insights into a roof’s susceptibility to hail claims and the potential severity of those claims.

Scroll down

Hail is One of the Fastest Growing Perils in North America

↳ A Legacy Problem

Insurers grapple with skyrocketing hail losses, with traditional models providing inadequate protection.

↳ A Modern Solution

ZestyAI predicts each property's susceptibility to hail damage based on climate and building characteristics.

Getting Ahead of Claims

Z-HAIL™ Claim Frequency Score

Z-HAIL™ Claim Frequency Score

Z-HAIL™ incorporates scientific research that shows that claim frequency is affected by both accumulated damage from previous storms and exposure to future hail events.

Z-HAIL™ Claim Severity Score

Z-HAIL™ Claim Severity Score

Z-HAIL™ leverages AI to understand the effect of a hail event on the size of the claim based on a property's unique characteristics.

Book a demo


Driven by AI, Comprehensive Science, and Loss Data

  1. Enhanced Underwriting
  2. Premiums Commensurate with Risk
  3. Refined Deductible Strategy
  4. Portfolio Optimization

Z-VIEW™ Application

Zero IT Integration & Easy to Use

Z-VIEW™ Application

Z-VIEW™ is a web-based application that gives users the ability to quickly access Z-HAIL™ scores and top drivers of risk for any address.

Book a Demo
  • Unprecedented transparency
  • Easy address lookup
  • Top drivers of risk
  • Recent aerial imagery

Assess Hail Risk More Effectively

First of Its Kind Research

Play video

Why have previous tools for predicting damaging storms have struggled? This cutting-edge whitepaper from IBHS & ZestyAI explores how a comprehensive approach to hail risk assessment can predict risk up to 58x more accurately than traditional methods.

Download Research Study

Milliman Analyzes ZestyAI’s Z-HAIL Model

Modernizing Homeowners Rate Plans in the Age of Changing Climate Risk

Milliman Analyzes ZestyAI’s Z-HAIL Model

In a whitepaper commissioned by ZestyAI, Milliman performed an analysis of how ZestyAI’s Z-HAIL risk score could be used to identify property risk exposure to hail.

Download Research
  • Milliman's analysis showed that ZestyAI’s Z-HAIL risk score could be used to segment properties based on exposure to hail risk.
  • Over a period of seven years, properties with a Z-HAIL score of 10 had a reported loss ratio of 50.4% compared to only 2.4% for properties with a Z-HAIL score of 1, which corresponds to a highest to lowest loss ratio lift of 21X.

Other Climate Risk Models

Related News