Renewals
Proactive Portfolio Review at Renewal
AI-powered change detection keeps your book clean, profitable, and customer-focused.
Books accumulate hidden risk
Over time, properties change: roofs age, pools are added, vegetation grows.
Without proactive oversight, risk accrues and loss ratios climb.
The Power of Continuous Change Detection
Z-PROPERTY identifies material changes at renewal and flags only the riskiest policies, reducing loss ratio without adding headcount.
How We Help Carriers at Renewal
From quoting to renewals, ZestyAI delivers the insights underwriters need to assess eligibility, price risk, and prioritize inspections, with more accuracy and speed than ever before.
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Targeted Change Detection
Catch property changes like roof damage, debris, trampolines, or overhanging vegetation before renewal.
Portfolio Segmentation at Scale
Review 100% of the book in seconds and isolate the small percentage of high-risk policies for action.
Actionable Renewal Insights
Flagged policies drive clear next steps like inspections, repair letters, and coverage modifications
Sustainable Book Health
Pair the power of AI with human-in-the-loop review and carrier-specific calibration to maintain portfolio quality year-over-year, not just in one-off cleanups
Spot the Changes That Matter
Your book evolves every year. Z-PROPERTY’s change detection surfaces the shifts that drive loss and impact premium and coverage — before they hit your bottom line.
New Pool. New Exposure.
Z-PROPERTY flags newly added pools so you can update exposure, adjust premium, and close gaps before renewal.
Debris Accumulates. So Does Risk.
Z-PROPERTY surfaces debris accumulation so you can flag deterioration early, intervene before it drives losses, and keep your book clean at renewal.
New Panels. New Profile.
Z-PROPERTY detects newly installed solar panels so you can update coverage, assess roof risk, and prevent surprises at renewal.
"ZestyAI’s property insights provide additional underwriting information for new business and renewals”
Dan Otto
Chief Operating Officer, Farmers & Mechanics Insurance
Renewal reviews made simple
Z-PROPERTY requires only an address list, delivers results in seconds, and integrates via Z-VIEW™ or API. No IT buildout required.
High-Accuracy Property Insights
Roof quality, vegetation, debris, and hazards detected from imagery, building permits, and AI.
Portfolio-Level Calibration
Reviews tuned to carrier risk tolerance and business goals.
Rapid Underwriter Review
Flagged policies can be reviewed in under 30 seconds each.
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“Before renewal, if we identify issues with a property, we can now notify the policyholder with specific actions to take.
When those improvements are made ahead of renewal, we’re able to retain the risk."
Rick Smith
Underwriting Manager, Standard Casualty Company
The Renewal Advantage
Stay ahead of hidden risk
With Z-PROPERTY, carriers turn renewal into an opportunity to reduce loss ratios, strengthen portfolios, and protect customers before issues escalate.
See Renewal Risk Before It Becomes Loss
ZestyAI turns renewal into a competitive advantage—helping carriers detect change early, protect retention, and reduce loss ratios with AI-powered insight. Book a demo today.
