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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.

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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 Resolution

ZestyAI scores 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™ Severity Score

Z-HAIL™ 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.

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Benefits

Driven by AI, Comprehensive Science, and Loss Data

  1. Premiums Commensurate with Risk
  2. Improved Risk Selection
  3. Decreased Loss Ratio
  4. Simple Regulatory Filing

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 score explanations for any address.

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  • Unprecedented transparency
  • Easy address lookup
  • Score explanations
  • Recent aerial imagery

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