Z-WATER™
Non-Weather Water Claim Prediction
Z-WATER is an AI-powered model that predicts the frequency and severity of non-weather water and freeze claims for every property in the contiguous US.
Non-weather water claims are the #3 driver of insurance losses.
↳ Before Z-WATER
Insurers primarily used past homeowner claims to assess and price risks stemming from water damage within the home.
↳ With Z-WATER
Insurers use a predictive model leveraging climate, infrastructure, and property-specific construction data to evaluate non-weather water risk.
Predicting Non-Weather Water Claims
Z-WATER Claim Frequency Score
Z-WATER applies a scientific approach to water risk, evaluating how local climate conditions interact with construction features like size, stories, and plumbing complexity to reveal hidden vulnerabilities and produce precise, property-level claim likelihood scores.
Z-WATER Claim Severity Score
ZestyAI leverages advanced AI to integrate data from diverse sources such as aerial imagery, tax assessor records, electrical grid stability, and climatology, pinpointing the factors that amplify the severity of water claims.
Driven by AI, Comprehensive Science, and Loss Data
- Set appropriate rates
- Enhance product fit
- Optimize inspections
- Streamline operations
Z-VIEW™ Application
Zero IT Integration & Easy to Use
Z-VIEW™ is a web-based application that gives users the ability to quickly access Z-WATER scores and top drivers of risk for any address.
- Unprecedented transparency
- Easy address lookup
- Top drivers of risk