Underwriting
Confident Decisions at Every Property
ZestyAI delivers real-time, property-specific insights directly into your underwriting workflow, so you can quote faster, price more accurately, and write better business, every time.
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"The training and platform are intuitive, which made for a smooth adoption, and the onboarding experience and ongoing support have made for a strong partnership "
Kimball Lynn
Director, Underwriting & Operations, American Farmers & Ranchers
Underwriting Is at a Breaking Point
Underwriters face increasing pressure: rising loss costs, tighter margins, and shrinking teams. Yet the tools haven’t kept up. Disjointed data, outdated workflows, and inconsistent signals slow down decisions and create uncertainty. Valuable premiums slip away, and risk selection suffers.
The Future of Underwriting Is Here
Modern underwriting demands more than just faster answers. ZestyAI delivers complete, explainable risk intelligence for every property, giving underwriters the clarity to assess condition, risk factors, and exposure in seconds.
The result: faster quotes, better pricing, and stronger books.
Smarter Decisions at Every Step
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.
Surface risk drivers that impact coverage and pricing
ZestyAI delivers the most complete, current, and transparent property view on the market.
- Unified imagery from all major aerial providers ensures the freshest, highest-resolution data available.
- Every risk driver — roof, vegetation, defensible space, secondary structures, slope, access, and more — is detected and quantified.
- Full explainability lets underwriters see what drives a risk score, communicate clearly with agents or policyholders, and guide proactive mitigation.
Surface risk drivers that impact coverage and pricing
ZestyAI delivers the most complete, current, and transparent property view on the market.
- Unified imagery from all major aerial providers ensures the freshest, highest-resolution data available.
- Every risk driver — roof, vegetation, defensible space, secondary structures, slope, access, and more — is detected and quantified.
- Full explainability lets underwriters see what drives a risk score, communicate clearly with agents or policyholders, and guide proactive mitigation.
Spot changes, triage inspections, reduce surprises
Stay ahead of property changes before they turn into claims.
- Automated change detection identifies where conditions have worsened — and where improvements have reduced risk.
- Streamline workflows by routing low-risk renewals through and prioritizing field inspections for outliers.
- A catalog of historical imagery spanning 20+ years provides a verified record of property evolution — no surprises at renewal time.
Seamless Fit. Powerful Delivery.
ZestyAI integrates directly into your quoting, renewal, and inspection workflows through APIs, dashboards, and underwriting platforms, delivering real-world risk intelligence when and where you need it.
API-Ready
Push insights directly into your systems with seamless API integration—supporting real-time quoting, automated triage, and instant underwriting decisions.
Ready on Day One
No IT lift required. ZestyAI’s secure web application gives underwriters immediate access to property-level insights, all in one place.
Platform Integrations
ZestyAI plugs into core insurance platforms, including Guidewire, Duck Creek, and more, so you can operationalize insights within existing workflow.
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“We chose ZestyAI because their team knows the industry inside out, and no one else provides the regulatory support that they do.
The platform’s transparency and functionality allow us to actively partner with our policyholders on reducing risk."
Rick Smith
Underwriting Manager, Standard Casualty Company
“The level of detail provided was a breath of fresh air to the underwriting team.
I would wholeheartedly recommend ZestyAI to other insurance carriers looking for more information in their underwriting process.”
Dave Deacon
SVP, Product Management, Heritage Property and Casualty Insurance
"ZestyAI's climate risk solutions have been valuable in enhancing our current underwriting process.
As a leading commercial property insurer, we are deeply committed to leveraging the latest technologies to ensure we are accurately pricing the risk to our customers from natural disasters."
Brian Hall
Vice President, Berkshire Hathaway Homestate Companies
"After evaluating several options, we chose ZestyAI based on their strong coverage and ease of implementation.
Getting started using the technology was easy, and their property insights provide additional underwriting information for new business and renewals.”
Dan Otto
Chief Operating Officer, Farmers & Mechanics Insurance
The Decision Intelligence Platform
ZestyAI unites a System of Intelligence, delivering property-level truth across every peril, with a System of Action powered by agentic AI. Together, they turn insight into automated, auditable decisions across underwriting, pricing, compliance, and beyond.
Peril-Specific Models
ZestyAI’s AI-powered risk models deliver unparalleled accuracy across wildfire, hail, water, and more, helping carriers price and manage risk with confidence.
Z-FIRE™
Purpose-built for modern wildfire risk. Z-FIRE uses advanced AI to predict which homes are most likely to withstand or be lost to wildfire.
Approved across the western U.S.
Z-HAIL™
Combines climatology and 3D roof intelligence to drive more accurate risk decisions. Z-HAIL includes accumulated damage over time, revealing how hail truly impacts each structure.
Approved across the hail belt.
Z-WIND™
Analyzes wind exposure and structural vulnerability. Z-WIND predicts both the frequency of claims and the severity of losses at the property level.
Widespread regulatory approval.
Z-STORM™
Evaluates the combined effects of hail and wind. Z-STORM delivers accurate, property-level insights for severe convective storm risk.
Widespread regulatory approval
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Property Insights
From structure-level detail to verified roof age, our insights inform rating, underwriting, and reinsurance without ever setting foot on-site.
Roof Age
Pinpoints the age of every roof with unmatched accuracy using AI-powered analysis of permits and aerial imagery, bringing confidence to underwriting and rating.
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Competitive Intelligence
Instant visibility into filings, trends, and competitor moves to build smarter products faster.
Confidence You Can Justify.
Explainable AI for Every Decision.
ZestyAI provides clear, auditable insights behind every risk score—so underwriters know what’s driving the result and regulators see the rationale. From roof condition to wildfire risk, transparency is built in for smarter, defensible decisions.
See Explainable AI for Underwriting in Action
ZestyAI gives underwriters real-time property insights to quote faster, price smarter, and justify every decision with transparent, explainable AI. Book a demo today.
