Reinsurance
Precision Insights That Earn Reinsurer Confidence
Property-level truth that sharpens exposure data and strengthens risk transfer decisions.
The Cost of Uncertainty is Paid in Capital
When catastrophe model (CAT) exposure attributes - secondary modifiers - are missing or unreliable, CAT models default to industry averages or worst-case assumptions.
Reinsurers must reserve capital and price risk against every uncertainty, driving higher loss estimates, restricted coverage, and elevated premiums - until data proves otherwise.
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Property-Level Truth for Reinsurance Decisions
ZestyAI connects precision underwriting to reinsurance placement through one verified source of property-level truth.
You eliminate the data gaps that introduce uncertainty into CAT models—creating a clearer, more defensible view of risk and supporting more adequate, evidence-based pricing.
Our computer-vision models and multi-source data enrichment deliver verifiable, regulator-reviewed secondary modifiers at scale across the U.S.
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The Outcome: Aligned, Confident Reinsurance Decisions
ZestyAI brings consistency and transparency to the entire insurance value chain — from individual property risk to global reinsurance portfolios. By grounding every decision in the same verified data, carriers and reinsurers gain mutual confidence in model performance, exposure accuracy, and capital deployment.
That shared foundation of truth gives both carriers and reinsurers confidence to price, allocate, and manage risk with precision.
How We Deliver Confidence Across the Insurance Cycle
ZestyAI combines AI-powered analytics with the industry’s richest property data to deliver verified building attributes and secondary modifiers—ensuring continuity between underwriting precision and reinsurance capital decisions.
High-resolution orthogonal and oblique imagery analyzed to extract property-specific risk characteristics, such as roof geometry, slope, condition, and surrounding vegetation. These signals feed both underwriting models and CAT models, creating consistent, validated inputs across functions.
AI parses millions of building permits to identify roof replacements, retrofits, remodels, and other structural updates that impact risk.
ZestyAI detects property changes—roof replacements, vegetation clearing, added structures—keeping your exposure data current and ensuring the capital allocated to each risk reflects today’s conditions, not last year’s assumptions.
A comprehensive, regulator-approved view of property risk—used across pricing, accumulation management, and reinsurance modeling to maintain a single, credible dataset throughout the insurance value chain.
Built for Every CAT Model
Secondary modifiers, fully mapped to every major CAT model—giving reinsurers and carriers a shared, hazard-specific view of true property vulnerability and aligning underwriting precision with reinsurance capital, no matter the hazard.
Hurricane
Roof geometry, material, and age; lot debris that can become missiles; secondary structures.
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Hail & Wind
Full roof system visibility: shape, pitch, material, skylights, roof condition, and more.
Wildfire
Vegetation density, building materials, decks, and secondary structures that impact ignition and spread.
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Flood
Structure elevation, foundation type, and flood-driven debris that can act as missiles—critical inputs that improve depth-damage accuracy and reduce uncertainty in flood model outputs.
Storm
Roof condition, architectural complexity, and surrounding features that amplify storm-driven damage
Earthquake
Foundation, structure, and roof characteristics that drive seismic vulnerability.
“ZestyAI’s ability to deliver timely, property-level insights helps us strengthen our understanding of exposure across the homes we protect.
It also helps uscontinue delivering on our promise of dependable coverage for Florida policyholders.”
David Howard
President and CEO, VYRD
“ZestyAI stood out for its ability to provide deep, 3D visibility into the condition and complexity of the properties we insure.
These insights help us improve our risk decisions and manage exposure more effectively across a high-risk geography.”
Tony Loughman
President and CEO, Southern Oak Insurance Company
“ZestyAI’s AI-powered risk models offer the kind of granular, verified intelligence that strengthens risk evaluation across a broad spectrum of perils, from climate-related threats to non-weather water."
Brian Voorhees
Chief Operating Officer, Applied Home National Underwriters
"ZestyAI’s Roof Age solution provides the reliability we need to make more confident risk decisions and strengthen portfolio performance.”
Miguel Barrales
President, Universal North America Insurance Company
Reinsurance Expertise, Built In
Expert Guidance Through Placement
Our Reinsurance Center of Excellence team, led by industry veterans, work hand-in-hand with cedent and broker teams to apply ZestyAI insights, clarify risk drivers, and support placement conversations with markets.
Confidence That Commands Trust
ZestyAI brings transparency to every property in the book, replacing assumptions with verified data. The result: shared confidence between carriers and reinsurers, smoother placement, and greater alignment across the risk-transfer chain.
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See Property-Level Proof in Action
ZestyAI provides verified, AI-powered property insights that replace assumptions with proof—helping carriers secure better terms and deploy capital efficiently.
