Z-STORMTM
Performance That Withstands the Storm
Z-STORM helps carriers achieve consistent results across volatile regions, aligning premiums with true storm risk and improving book performance.
Grow profitably in the most volatile markets with storm insights you can actually trust
Z-STORM unites the science of wind and hail into a single, property-level model built on real carrier loss data. By quantifying how roof design, condition, and climatology drive storm damage, it gives insurers the precision to price accurately, protect profitability, and outperform through every season.
Why Z-STORM Outperforms Traditional Risk Assessment
62× Predictive Lift
Delivers unmatched accuracy in forecasting storm losses compared to regional or ZIP-based models.
IBHS Research-Backed
Informed by IBHS findings that roof cover performance and material integrity are the leading drivers of storm damage.
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Trained on Verified Claims
Trained and validated on a nationwide dataset of actual carrier losses. Built on what truly drives claims, not proxies.
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Property-Specific Precision
Quantifies how roof design, materials, and condition interact with climatology to predict loss at the property level.
Nationwide Coverage
Delivers property-specific risk scores across the contiguous U.S. with consistent accuracy.
Regulatory Approved
Regulatory reviewed and approved across the Midwest, Great Plains, and South. Built with full documentation and explainable variables, ready for DOI review and immediate deployment in rating and underwriting.
Z-STORM Claim Frequency Score: Predict How Often Storm Losses Occur
Quantifies the likelihood of hail or wind claims based on roof condition, design, and local climatology, helping insurers identify where losses are most likely to happen.
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Z-STORM Claim Severity Score: Measure How Big the Loss Will Be
Estimates the expected financial impact of each storm claim by analyzing roof materials, complexity, and vulnerability, giving carriers a clear view of loss potential and cost drivers.
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“Z-STORM gives us a more nuanced understanding of storm vulnerability, helping us recognize differences in risk that traditional models overlook, enhancing our team’s confidence in pricing decisions, and supporting our continued expansion across the U.S.”
Luke Wolmer
Chief Actuary, DUAL North America Inc.
How Z-STORM Works
Z-STORM combines the science behind hail and wind losses into one unified model. It captures how roof design, condition, and local climatology interact to drive storm damage, transforming complex data into accurate, actionable insight for rating, underwriting, and reinsurance.
Comprehensive Storm and Property Data.
Z-STORM integrates the most complete datasets for roof attributes, climatology, and historical storm activity to capture both exposure and vulnerability at the property level.
Aerial Imagery
Roof shape, height, material, condition, and visible wear.
Climatology
Historical hail and wind speed patterns, storm frequency, and intensity by region.
Building Attributes
Skylights, vents, and solar panels that increase storm susceptibility.
Verified Loss Data
Real carrier claims from across all storm-prone regions to ground the model in actual outcomes.
Transforming Data Into Storm Intelligence.
Each property’s risk profile is defined by how its physical attributes interact with local climatology to drive loss behavior.
Structural Vulnerability
Captures how roof geometry and materials respond to hail and wind impact.
Storm Exposure
Quantifies localized frequency and severity risk across both perils.
Roof Condition
Links degradation, staining, and missing shingles to future damage probability.
Vegetation Influence
Models how surrounding trees provide shielding or increase debris-driven losses.
Purpose-Built for Combined Peril Prediction.
Z-STORM uses gradient-boosted ensemble models trained on real carrier loss data to quantify both the likelihood and magnitude of hail and wind damage.
Dual-Peril Framework
Predicts frequency and severity across hail and wind using unified variables.
Gradient Boosted Machines
Capture nonlinear interactions between property, environmental, and climatological features.
Mitigation-Aware Scoring
Scores can be updated in real time to reflect verified mitigation actions like roof replacement or material upgrades.
Aligned to Leverage Annual Loss (AAL)
Outputs correlate directly to financial impact, enabling use in rating models and underwriting.
Engineered for Reliability, Built for Review.
Every stage of model development undergoes rigorous testing to ensure performance, fairness, and stability across all storm-prone regions.
Peril Validation
Benchmarked against independent hail and wind loss datasets.
Annual Performance Monitoring
Continuous evaluation to ensure predictive stability and calibration.
Regulatory Transparency
Full documentation and model explainability to support DOI review and compliance.
Consistency You Can Trust
Developed and maintained under ZestyAI’s proven modeling framework used by top carriers nationwide.
“ZestyAI’s AI-powered risk models offer the kind of granular, verified intelligence that strengthens risk evaluation across a broad spectrum of perils, from climate-related threats to non-weather water."
Brian Voorhees
Chief Operating Officer, Applied Home National Underwriters
Ready for Review, Built for Confidence
Z-STORM is engineered to meet the same actuarial and regulatory standards that made Z-FIRE trusted across the industry.
It delivers the documentation, transparency, and explainability regulators expect, ready for submission in rating, underwriting, and reinsurance filings.
Regulatory Approvals
Actively reviewed and approved by state regulators across storm-exposed states.
Actuarial Alignment
Complies with ASOP 12, 23, 25, and 38 to support sound actuarial practices and defensible model use in filings.
Transparent Documentation
Complete technical guides, variable definitions, and model methodology available for DOI and internal model review.
Built for Auditability
Delivers clear variable explanations and risk-driver transparency to support insurer governance and regulatory compliance.
Mitigation-Aware Scoring
Scores can be updated to reflect verified improvements such as roof replacement or material upgrades, reinforcing fairness and rewarding mitigation efforts.
Instant Insight, Unified Storm Intelligence
Z-VIEW delivers instant, web-based access to Z-STORM risk scores, drivers, and aerial imagery—no IT setup required.
Z-STORM is also available through a REST API, making it easy to integrate hail and wind insights directly into underwriting, pricing, and portfolio workflows for fast, consistent decisions.
See the Power of Property-Level Storm Modeling
Z-STORM sits where granular property data meets climatology—producing regulator-approved insights with 62× lift that translate into stronger portfolio performance. Book a demo today.
Proven Results
ZestyAI Expands Regulatory Footprint for Its Severe Convective Storm Suite Across Six States
As SCS losses surpass $40B for the third year in a row, regulators in West Virginia, Georgia, South Dakota, Montana, Oregon, and Utah review and accept AI-driven, property-level storm risk models.