Z-HAIL™
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.
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™ incorporates scientific research that shows that claim frequency is affected by both accumulated damage from previous storms and exposure to future hail events.
Benefits
Driven by AI, Comprehensive Science, and Loss Data
- Enhanced Underwriting
- Premiums Commensurate with Risk
- Refined Deductible Strategy
- Portfolio Optimization
Assess Hail Risk More Effectively
First of Its Kind Research

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.
- How smaller hailstone impacts drive the majority of damage
- Why previous tools for predicting damaging storms have struggled
- A proposed path for insurers to perform better risk selection for hail