Z-PROPERTYTM
From Roof to Property Line, See Risk Clearly
ZestyAI’s Property Intelligence gives insurers a verified, AI-powered view of every structure and surface. It captures roof condition, complexity, and lot-level details to price risk accurately, reduce losses, and move faster.
When Property Data Fails, Risk Gets Mispriced.
Incomplete or inaccurate property data leads to poor underwriting decisions, inadequate premiums, and elevated loss costs.
ZestyAI’s Property Intelligence provides parcel- and structure-level visibility—including roof condition, vegetation, pools, debris, and secondary structures—to help insurers underwrite with precision, segment risk accurately, and optimize reinsurance structures.
“ZestyAI’s property insights have set a new benchmark for accuracy and innovation.
The flexibility of their solutions and the ability to evaluate large insured portfolios in a matter of days provide tremendous value to us."
David Flitman
CEO, Safepoint Holdings
Why Insurers Choose Z-PROPERTY
Improve Risk Segmentation
Distinguish properties by true exposure using AI-derived attributes like roof condition, vegetation, and building count. Achieve cleaner splits, better pricing accuracy, and improved book performance.
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Avoid Hidden Exposure
Identify risk drivers — surface damage, overhanging trees, debris, or aging roofs — before they cause losses. Replace assumptions with verified, image-based data.
Capture Premium
Automatically detect rating-relevant features such as solar panels, pools, trampolines, or secondary structures to close coverage gaps and reduce premium leakage at quote.
Control Loss Costs
Match deductibles, ACV treatments, and pricing tiers to verified roof condition and property quality to improve product fit and reduce claims volatility.
Optimize Inspections
Target inspection spend where it matters most. AI-powered parcel and structure data reveal which properties need attention — and which don’t.
Strengthen Reinsurance Confidence
Build stronger relationships between cedant and reinsurer with transparent, validated property-level data. Z-PROPERTY provides a common view of exposure and secondary modifiers, improving model alignment, reducing uncertainty, and reinforcing trust in every submission.
"Our partnership with ZestyAI has significantly improved our ability to assess and manage residential property risks.
By expanding our use of Z-PROPERTY for our personal lines business, we can gain deeper insights into the properties we insure, allowing us to mitigate risks more proactively and efficiently."
Jonathan Schulz
AVP, Personal Lines, West Bend Insurance
"ZestyAI's climate risk solutions have been valuable in enhancing our current underwriting process.
As a leading commercial property insurer, we are deeply committed to leveraging the latest technologies to ensure we are accurately pricing the risk to our customers from natural disasters."
Brian Hall
Vice President, Berkshire Hathaway Homestate Companies
"By leveraging ZestyAI’s comprehensive property insights, we can better manage our on-site inspection process.
That means identifying the properties that need that extra level of attention, allocating our field inspection resources to the properties where they are needed the most."
Randall Graham
Regional Underwriting Manager, South Carolina Farm Bureau Insurance
“ZestyAI stood out for its ability to provide deep, 3D visibility into the condition and complexity of the properties we insure.
These insights help us improve our risk decisions and manage exposure more effectively across a high-risk geography.”
Tony Loughman
President and CEO, Southern Oak Insurance Company
"After evaluating several options, we chose ZestyAI based on their strong coverage and ease of implementation.
Getting started using the technology was easy, and their property insights provide additional underwriting information for new business and renewals.”
Dan Otto
Chief Operating Officer, Farmers & Mechanics Insurance
“ZestyAI’s ability to deliver timely, property-level insights helps us strengthen our understanding of exposure across the homes we protect.
It also helps uscontinue delivering on our promise of dependable coverage for Florida policyholders.”
David Howard
President and CEO, VYRD
See What's Really Overhead
Evaluate every roof with a 5-class condition model that distinguishes normal wear from meaningful damage and degradation. It detects staining, ponding, missing shingles, tarps, and other roof-quality issues—giving carriers a powerful signal for water, wind, and liability losses without an inspection.
Capture Every Structure
Identify all buildings on a parcel, from detached garages to barns and sheds. Reveal the full exposure picture and improve coverage accuracy.
Spot Hidden Liability Risks
AI flags featureslike trampolines, pools, or debris piles, helping carriers price risk appropriately and avoid preventable losses.
Price Exposure With Precision
From roof facets and material to vegetation and slope, Property Intelligence quantifies what’s on and around every structure — enabling data-driven rating and segmentation.
How Z-PROPERTY Works
Built for Coverage, Accuracy, and Scale.
We use the most current, high-resolution aerial imagery available — orthogonal, oblique, and 3D — to see every property from multiple angles.
Nationwide Reach
Aerial imagery delivers >97% property coverage across North America.
High Resolution, High Context
Combines orthogonal, oblique, and 3D roof geometry to reveal pitch, shape, and eave height with precision.
Up-to-Date Views
Prioritizes the most recent and highest-quality image for each property to reflect current condition and change over time.
ZestyAI applies 90+ specialized computer vision models, refined through our Digital Roof technology, to extract parcel- and structure-level features that shape exposure and risk.
Comprehensive Attribute Set
Detects roof material, shape, pitch, building count, vegetation, pools, debris, driveways, and more.
Structure and Surroundings
Captures not just the roof, but the relationship between property condition and its environment — from overhanging trees to lot slope.
5-Class Roof Condition Model
Identifies the level of roof wear and damage across five distinct condition classes, then pinpoints the underlying quality issues—such as staining, water ponding, missing shingles, tarps, and other signs of degradation.
Digital Roof Advantage
Leverages 3D roof reconstruction from high-resolution imagery to measure facets, eave height, and structural complexity.
Z-PROPERTY fits seamlessly into your underwriting, rating, and portfolio management processes.
Multiple Access Options
Get insights via batch delivery, API, or Z-VIEW web app.
System Compatibility
Works with Guidewire, Duck Creek, and custom carrier systems.
Instant Decision Support
Real-time delivery ensures insights are available when and where decisions are made.
Every model and attribute undergoes rigorous validation to meet ZestyAI’s standards for performance, reliability, and regulatory-grade transparency.
Performance-Tested
Attributes validated against ground-truth data and reviewed for consistency across structure types and regions.
QA at Every Step
Structured validation ensures precision and stability across all models.
Built on Proven Processes
Developed within ZestyAI’s governance framework — trusted by half of the top 100 carriers and approved by regulators.
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95%
Inspection Agreement
Matches boots-on-the-ground accuracy
2 – 4
Point Loss Ratio Improvement
Through better risk selection & premium capture
See Every Property with AI-Powered Precision
Z-PROPERTY delivers verified roof and parcel insights that help carriers price risk accurately, cut inspection costs, and capture premium with confidence. Book a demo today.