Logic Underwriters Adopts ZestyAI to Strengthen Texas Property Underwriting with AI-Powered Hail and Wind Models

ZestyAI today announced that Logic Underwriters has adopted ZestyAI’s Z-PROPERTY™, Z-HAIL™, and Z-WIND™ solutions to improve underwriting and rating precision across its personal and commercial property portfolio in Texas.

Texas is the most expensive severe convective storm market in the United States, with hail and damaging wind driving billions of dollars in insured losses every year.

"Texas is one of the most challenging storm markets in the U.S., and we need tools that match that reality," said Bill Motz, Director of Operations, Logic Underwriters.

"ZestyAI's detailed property insights and dedicated hail and wind models will help us continue to provide exemplary service to our clients—from more accurate risk assessments to better loss prevention guidance in increasingly volatile weather conditions."

ZestyAI’s property-specific hail and wind models predict the likelihood and severity of storm-driven claims by analyzing how local climatology interacts with detailed property characteristics—helping underwriters to distinguish meaningful differences in risk within the same rating territory. Each model is trained on validated claims data, offering transparent explanations of the key factors driving risk.

Z-PROPERTY applies AI to high-resolution aerial imagery and multi-source data to assess roof condition, structural complexity, and parcel-level features such as vegetation overhang, yard debris, and secondary structures—factors that directly influence claim frequency and severity across multiple perils.

“Logic Underwriters is exactly the kind of forward-looking partner that is redefining underwriting in high-exposure states,” said Attila Toth, Founder and CEO of ZestyAI.

"This collaboration shows how property-level intelligence can support underwriting excellence and disciplined decision-making while helping policyholders better understand and protect their properties. When insurers can identify specific risk factors like roof condition or vegetation overhang, they can provide actionable guidance that helps clients reduce their exposure and minimize losses."

ZestyAI’s severe convective storm models are approved in 30 states, spanning the nation’s highest-exposure hail and wind markets, and used by leading insurers across the country.