Everyday Fire Risk Hiding in Your Portfolio
Non-weather fire. Why neighboring properties can have 30x different risk - and why most models miss it.
See how carriers are uncovering hidden fire risk.
Join us May 13 at 11a PT | 2p ET.
Reserve Your Spot
Learn what property-level intelligence reveals that community scores never could.
Non-weather fires cost the industry $25B in annual losses.
Claim severity is up 43%.
Yet most carriers are still assessing the risk with tools designed to measure how fast trucks arrive, not whether a fire starts.
Why Non-Weather Fire Is Difficult to Assess — and Easy to Miss
High severity, low visibility
At an average of $173K per claim, non-weather fire hits harder than any other peril. Yet most of the risk never shows up in loss history, leaving carriers exposed without knowing it.
How carriers are applying this in underwriting and pricing
How carriers are incorporating these signals into underwriting, pricing, and portfolio strategy — including a live look at Z-SPARK
A structural data gap
Much of this risk isn’t visible in claims data, and community-level scores treat neighboring properties as identical risks. They're not.
Portfolio impact
Bad risks enter quietly. By the time they surface, the loss in unrecoverable.
Featured Speakers
Alex Kallos
Risk Modeling & Analytics
Leads development of property-level risk models at ZestyAI
Abdul Mohammed
P&C Insurance Market Strategy
Leads product marketing for ZestyAI’s risk models, working with carriers on underwriting and pricing decisions
What You'll Take Away
How non-weather fire is evaluated today
Identifying the critical gaps in traditional assessment, where current tools fall short — and what they're missing
What’s driving severity and loss trends
What’s behind rising losses — and why claims are up 43% in four years. Why severity alone doesn't tell the story.
Where current models break down
How community-level scoring and incomplete data lead to misclassification, mispricing, and adverse selection
What actually differentiates risk at the property level
The signals that separate similar-looking properties — and where risk is often missed
Reserve Your Spot
