Blog
Practical insights and data-driven perspectives for property & casualty insurance & risk professionals.
Mitigation-Aware Scoring: When a Property Changes, the Score Can Too
Property risk changes over time, but property data doesn't always keep up. A roof is replaced. Defensible space is cleared. Vegetation is removed. These improvements can materially change risk, yet the data behind a score often lags behind the property itself. That can mean overpricing lower-risk homes and frustrating policyholders who invested in mitigation. Mitigation-Aware Scoring gives carriers a governed, auditable way to update verified property attributes within the ZestyAI platform and recalculate risk when those changes affect the score.
Five ZORRO Discover Updates That Turn Rate Filings Into Market Intelligence
Rate filings are where competitors reveal their strategy. Every day, competitors signal where they are heading: which segments they want, which risks they are retreating from, which states they are prioritizing, and how regulators are responding. That information is public, but it is scattered across filings, PDFs, exhibits, objections, revisions, and supporting documents. Most teams still need to stitch that picture together manually: finding the relevant filings, extracting the data, adding market context, and interpreting what it means for pricing, product, and competitive strategy. The latest ZORRO Discover release adds five capabilities that help remove the biggest bottlenecks in filing research: benchmarking rate activity, researching objections, interpreting filings in market context, monitoring competitor moves, and getting filing data ready for analysis. Together, these updates reflect the pace of innovation behind ZORRO Discover: a platform built to expand how carriers use agentic AI for competitive and regulatory intelligence.
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Sub-Second Property Intelligence for Faster Carrier Decisions
ZestyAI has cut response times across its property intelligence APIs to under one second per property. Quoting, inspection targeting, renewal scoring, and portfolio reviews can now access property-level intelligence faster, even at the scale of millions of requests a day from more than half of the top U.S. carriers. That speed matters because the ground has shifted underneath the insurance. Carriers are competing to grow, and shoppers, conditioned by every other digital experience they touch, expect quotes in seconds, not days. When the data layer behind those quotes lags, policies slip to whoever is faster.
Reinsurance's Property-Data Inflection Point: A Conversation with Guy Carpenter's Kevin Van Leer
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