Southern Oak Expands Use of ZestyAI After Nine Months of Proven Impact
Florida-based insurer broadens its use of ZestyAI as property-level intelligence becomes integral to portfolio management
ZestyAI today announced that Southern Oak Insurance Company has expanded its partnership with ZestyAI following nine months of demonstrated impact on portfolio decisions across its Florida homeowners portfolio.
Southern Oak initially adopted ZestyAI in 2025 to gain clearer visibility into property-level risk in one of the most complex and loss-prone insurance markets in the U.S.
Z-PROPERTY applies computer vision and machine learning across aerial imagery, building permits, tax assessment records, and other verified data sources to evaluate properties in 3D—assessing structural condition, exposure, and characteristics that influence claim frequency and severity across perils, including roof complexity, materials, and condition.
Tony Loughman, CEO of Southern Oak Insurance Company, said:
“Within months of deploying ZestyAI, it became clear that property-level intelligence needed to play a larger role in how we evaluate and manage risk. Expanding our partnership allows us to build on that foundation with greater confidence in the data behind our decisions, particularly in a market where roof condition, complexity, and exposure can materially impact outcomes.”
The expanded partnership reflects Southern Oak’s continued focus on proactive risk management in Florida’s volatile insurance environment, where traditional data sources often fail to capture the real condition and vulnerability of individual homes.
“Southern Oak’s decision to expand just nine months in is a strong signal of the value property-level intelligence delivers when it’s put into production,” said Attila Toth, Founder and CEO of ZestyAI.
“With Z-PROPERTY embedded in its risk decisions, Southern Oak sees risk more clearly, acts earlier, and makes more defensible decisions in a highly regulated, high-risk market.”
ZestyAI’s models are built with transparency, validation, and regulatory readiness at the forefront, giving insurers confidence to rely on them in portfolio decisions. The platform is used by leading insurers to improve underwriting accuracy, manage exposure, and reduce loss volatility across weather- and non-weather-driven perils.
