ZestyAI and Mutual Capital Group Bring AI-Powered Property Intelligence to Underwriting Operations

ZestyAI  today announced that Mutual Capital Group companies Tuscarora Wayne Insurance Company, Keystone National Insurance Company, and Lebanon Valley Insurance Company have selected ZestyAI's property analytics platform to bring real-time, property-level intelligence to their underwriting, pricing, and inspection decisions.

Mutual Capital Group is adopting two ZestyAI solutions across its personal and commercial lines underwriting operations. Z-PROPERTY™ evaluates roof complexity, materials, condition, and surrounding risk factors that directly influence loss potential and underwriting outcomes.

Roof Age delivers verified roof age by cross-validating building permit records with more than 20 years of aerial imagery, identifying roof replacement events that traditional records often miss and assigning a confidence score to every property.

"Getting accurate, property-level data on roof quality, roof age, hail exposure, and wind risk without relying solely on physical inspections is a significant operational advantage," said Bruce White, Senior Commercial Lines Underwriting Officer and Assistant Vice President at Mutual Capital Group. "ZestyAI gives our underwriters the verified intelligence they need to evaluate every risk with greater consistency and confidence. It also allows us to direct physical inspection resources more strategically, focusing on the policies that need them most."

"Mutual Capital Group recognized the value of adopting a comprehensive approach to property analytics," said Attila Toth, Founder and CEO of ZestyAI. "We're proud to support their underwriting teams with trusted insights that help sharpen risk selection, align pricing with exposure, and strengthen overall portfolio performance."