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ZestyAI today announced that NRDC (Natural Resources Defense Council), one of the nation's leading environmental advocacy organizations, is using ZORRO Discover™ to support its climate research and public policy advocacy efforts.

NRDC's FAIR Future Team uses ZORRO Discover to analyze insurance rate filings, track regulatory trends, and support climate-focused policy advocacy across U.S. insurance markets.

As climate-related risks reshape property insurance markets, policymakers and advocates face growing pressure to respond with evidence-based solutions. Yet the underlying data has historically been difficult to access—buried within hundreds of pages per filing, across dozens of insurers and multiple states.

ZORRO Discover addresses this challenge by using agentic AI to aggregate and structure more than 2 million P&C rate and form filings, representing over 200 million pages of regulatory documentation, into a unified, searchable system of decision intelligence.

NRDC will use the platform to support state-level advocacy and analyze rate and risk trends in key jurisdictions.

Alfonso Pating, Global Financial Regulations Specialist at NRDC, said:

“Insurance filings contain critical information about how risk is being priced and why—but extracting that information across dozens of companies and multiple states has traditionally required an enormous investment of time and effort."

NRDC's decision reflects a broader shift: regulatory data is no longer just a compliance artifact—it is a strategic asset for understanding how insurance markets function and evolve.

ZORRO Discover brings the same depth of regulatory intelligence used by insurers into the policy and research ecosystem shaping the industry.

Attila Toth, Founder and CEO of ZestyAI, said:

"Insurance filings contain the most detailed record of how risk is priced—but until now, they haven’t been accessible or usable at scale. That changes how insurance markets can be understood. We’re pleased to support NRDC’s work in this area."

ZORRO Discover continuously analyzes new regulatory submissions and outcomes across jurisdictions, giving users a current view of how insurance markets are changing. For NRDC’s FAIR Future Team, this means monitoring how insurers are responding to climate-related risk in real time—and to ground advocacy and media engagement in comprehensive, current data rather than fragmented or outdated sources.

The Zest: Key Takeaways from the 2026 Offsite

• ZestyAI's 2026 company offsite, themed Level Up, featured a keynote from Kevin Van Leer of Guy Carpenter on where property risk modeling is headed.
• Over the past 12 months, ZestyAI turned cash flow positive, more than doubled product usage, welcomed 26 new clients, expanded 12 enterprise relationships, surpassed 200 regulatory approvals, and launched two new products — Z-SPARK™ and ZORRO Discover™.
• What's next: continuous product innovation, deeper peril science, scaling ZORRO into an agentic orchestration platform, connecting risk data to capital, and expanding Regulatory & Government Affairs.

Last week, ZestyAI gathered in Cabo San Lucas for our 2026 company offsite under the theme Level Up. We were joined by Kevin Van Leer of Guy Carpenter — one of the most respected voices in catastrophe analytics and reinsurance — for a keynote conversation on where property risk modeling is headed.

A few themes we're carrying into our work.

Property risk modeling is entering its enterprise era

For years, third-party property data was used across pockets of the insurance lifecycle — valuable for individual underwriting decisions, but rarely trusted at portfolio scale. That era is ending. Carriers are recognizing the need to enhance enterprise data quality: building a trusted, consistent view of property risk governed centrally and applied consistently across underwriting, rating, claims, portfolio management, and capital strategy.

When a consistent view of risk flows through every stage of the insurance lifecycle, a virtuous cycle takes hold. Carriers select better risks. They price those risks more accurately. They see the full picture of their exposure. The compounding effect shows up in combined ratios, in claims outcomes, in capital conversations — and, when it matters, in the defensibility of every decision they've made.

The "purpose-built" test for AI in insurance

One theme from Kevin's keynote landed especially hard with the room: AI for its own sake doesn't move the industry forward. What does is purpose-built tooling that replaces something expensive, slow, or inconsistent — manual inspections, piecemeal public-records pulls, subjective desktop reviews — with something faster, efficient, and uniformly applied to every property.

That's a useful test for any AI capability landing in front of an underwriter, an actuary, or a chief risk officer right now: Is this a better way to do something we already do? Or is it a demo? Solutions that pass the first test get adopted. The rest get politely ignored.

A year of momentum

The week capped a year of meaningful momentum. Over the past 12 months, ZestyAI:

• Turned cash flow positive while more than doubling product usage across underwriting, rating, and reinsurance workflows
• Welcomed 26 new clients, including Applied Underwriters, California Casualty, Lemonade, and Marsh
• Expanded commercial relationships with 12 existing enterprise customers, including Berkshire Hathaway, the California FAIR Plan, and CSAA
• Surpassed 200 regulatory approvals nationwide, spanning multiple products and perils
• Launched Z-SPARK™, bringing modern fire science and property-level intelligence to how building materials, maintenance, surrounding structures, local fire response, and climate drive ignition and spread
• Introduced ZORRO Discover™, our agentic AI platform embedded into underwriting, portfolio management, and competitive intelligence workflows

That's where we're starting from. Here's where we're going next.

What "Level Up" means for ZestyAI

For us, Level Up is a commitment to meet customers where the market is going — not where it has been. In practice that means:

• Investing in continuous innovation — new products, new categories, new ways of solving problems carriers haven't yet found a way to solve
• Helping carriers cover the losses that hit them hardest, with continued peril-science investment across the exposures driving today's largest claims and reinsurance decisions
• Scaling ZORRO™ into a full agentic orchestration platform, embedding AI deeper into underwriting, portfolio management, and competitive intelligence workflows
• Building products that connect risk to capital, designed for the workflows where exposure data shapes capital and capacity decisions
• Expanding Regulatory & Government Affairs — building on 200+ approvals to be a strategic partner for carriers navigating an increasingly complex regulatory landscape, not simply a model provider

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.

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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.

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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.

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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

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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

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Reserve Your Spot

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Regulators in Utah, Colorado, Tennessee, Missouri, and Montana have accepted ZestyAI's AI-powered non-weather water risk model for use in carrier rate and rule filings, bringing the model's total approved footprint to 12 states nationwide.

Now the fourth-costliest peril in homeowners insurance, non-weather water drives more than $15 billion in annual losses across over 1 million claims, with average claim size exceeding $15,000. Routine failures like burst pipes and hidden leaks are now producing catastrophe-scale losses that surpass hurricanes in severity, yet the peril is difficult to model using traditional rating tools—which rely on territory-level or age-based proxies that overlook the property-specific factors driving interior water losses.

Using verified insurer loss data, Z-WATER™ applies computer vision to aerial imagery and incorporates property-level data, permitting history, localized climatology, and infrastructure context to capture the property-specific drivers of interior water losses. By modeling how these variables interact, Z-WATER predicts both the frequency and severity of non-weather water claims with 18× lift in risk segmentation compared to traditional territory- and age-based models.

"Non-weather water losses place real pressure on carriers' books, but they're also highly preventable when you understand where the risks actually lie," said Bryan Rehor, Director of Regulatory Strategy at ZestyAI.

"Z-WATER helps insurers pinpoint those vulnerabilities at the property level and price them appropriately, while meeting regulators' expectations for clarity and fairness."

These approvals add to ZestyAI's broader regulatory momentum. The ZestyAI platform — spanning wildfire, hail, wind, severe convective storm, non-weather water, and property and roof intelligence — has secured more than 200 regulatory approvals nationwide.

Carrier adoption and regulatory acceptance of AI rating models are accelerating in parallel, as the industry moves away from territory- and age-based proxies toward property-specific analytics.

P&C Insurance Is Being Rewritten - Quietly but Rapidly.

Filings from the last three years show faster shifts in P&C products than at any point in recent history - and those changes are now surfacing at scale.

Endorsements, exclusions, deductibles, and appetite resets are reshaping coverage and competitive positioning across carriers. But the pace isn't uniform. National carriers, regionals, MGAs, and farm bureaus are moving in different directions - and most teams don't have visibility into how quickly competitors are adjusting forms and filings.

This session breaks down the signals that matter for 2026 product strategy.

‍Drawing on 2M+ carrier filings, Stephanie Kuczynski reveals the real trends reshaping P&C product strategy headed into 2026.

You'll learn what's accelerating, where carriers diverge, and how to translate these shifts into action.

What You Will Gain

• Which changes are accelerating fastest — and where carriers diverge. State-by-state adoption patterns for endorsements, deductibles, and coverage restrictions.
• How strategies differ by carrier size and focus — niche players vs. nationals. The creative, targeted approaches emerging from regionals and MGAs versus the broad strategies deployed by national carriers.
• Where regulators are drawing the line on coverage restrictions. Prepare for closer state-level inspection, due diligence, and shifting expectations across markets.
• How these shifts impact 2026 product strategy and competitive positioning. Why the pace and direction of changes matter — and how to ensure your strategy reflects where the market is heading.

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