The latest client win for ZestyAI;
ZestyAI, the Risk and Decision Intelligence Platform for the insurance industry, today announced that Adaptive Insurance has integrated Z-STORM™ into its underwriting and pricing for its wind and hail programs.
Severe convective storms are now one of the most persistent drivers of insured loss in the U.S., with annual losses exceeding $50 billion for three consecutive years. As losses become more localized and volatile, traditional territory- and ZIP code-based models are increasingly misaligned with how risk actually behaves.
Z-STORM delivers property-level risk scores that differentiate storm risk across individual properties, even within the same neighborhood. Z-STORM is trained on verified carrier claims data and evaluates how local climatology interacts with the specific characteristics of each structure.
“What sets ZestyAI apart is their ability to split risk at the individual property level,” said Mike Gulla, CEO and Co-Founder of Adaptive Insurance. “Integrating the precision that Z-STORM offers will allow us to price and underwrite more confidently and offer coverage that truly reflects how storm risk behaves.”
Z-STORM predicts the expected frequency and severity of severe convective storm losses, including hail and wind, by combining climatology with detailed property-specific characteristics. The model delivers clear explanations of the factors behind each property’s risk score, supporting more transparent and defensible rate-making. Key capabilities include:
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Pinpointing hail risk using property-level drivers, such as roof geometry, accumulated damage, and local climatology, to identify buildings most likely to sustain hail damage, even within the same geographic area.
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Assessing wind vulnerability using AI-driven analysis of roof condition, complexity, and potential failure points, combined with localized wind climatology, to determine which structures are most susceptible to wind damage.
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Predicting total storm losses by examining the interaction between climatology and the unique characteristics of every structure and roof to forecast claim frequency and severity.
“Adaptive Insurance joins a growing group of carriers bringing greater precision to storm risk underwriting,” said Attila Toth, Founder and CEO of ZestyAI. “With Z-STORM™ delivering a sharper, property-level view of hail and wind risk, Adaptive can optimize price and coverage even further to identify pockets of exposure earlier, before they translate into outsized losses.”
The selection builds on ZestyAI’s continued growth across the insurance market. Z-STORM has earned regulatory acceptance in 32 states, with more than 200 regulatory approvals across ZestyAI’s full portfolio of AI-powered risk models nationwide. Adaptive Insurance joins a growing roster of carriers leveraging ZestyAI to strengthen underwriting and pricing decisions in an increasingly volatile climate environment.
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