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.
Adopted By Leading Insurers
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“We can keep our premiums more stable and that should enable us to grow in areas where other insurers can’t grow as profitably."
William Pitts
Managing Vice President
Amica
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“ZestyAI’s models will help us bring greater fairness and resilience to the market while equipping homeowners with practical mitigation guidance."
Kelly Campbell
Executive Director
Colorado FAIR Plan
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“70% of what we pay out in losses are rooftop-related—wind and hail. ZestyAI gives us the granularity to evaluate not just the probability of those perils, but the specific vulnerability of each property. That level of precision is a game changer for underwriting.”
Rick Smith
Underwriting Manager
Standard Casualty
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
Milliman Analyzes ZestyAI’s Z-HAIL Model
Modernizing Homeowners Rate Plans in the Age of Changing Climate Risk
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.
- 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.
Strong Regulatory Momentum
Z-HAIL Regulatory Map
ZestyAI is actively pursuing regulatory approval in states susceptible to severe weather. Our goal is to equip insurance carriers with transparent and compliant solutions for precise property risk assessment and underwriting.
