ZestyAI, a US-based InsurTech specialising in property and climate risk analytics, has received formal recognition from the Connecticut Insurance Department (CID) for its Roof Quality solution, an AI-driven tool used in residential property rating and underwriting.
The approval follows a detailed third-party actuarial evaluation conducted by CID, which reviewed ZestyAI’s methodology, data integrity, and regulatory alignment, according to FF News.
The move reflects CID’s confidence in the fairness, accuracy and transparency of ZestyAI’s model, marking a significant step in the company’s mission to modernise risk assessment in property insurance.
ZestyAI’s Roof Quality model is part of its broader Digital Roof and Location Insights suite. The solution leverages high-resolution aerial imagery, 3D property analysis, and artificial intelligence trained on extensive real-world data to provide property-specific risk insights.
It eliminates the need for subjective or incomplete assessments by classifying roofs into five standardised condition levels, identifying both surface-level wear and more serious structural concerns like water pooling, missing shingles, or the use of tarps.
ZestyAI is recognised for its portfolio of risk models, which includes Z-FIRE, used for wildfire risk and approved across all western US states, and its Severe Convective Storm suite, now approved in 16 states across the Midwest, Great Plains, and South. The company is widely trusted by both insurers and regulators for its data-driven approach to risk in some of the most climate-exposed regions of the country.
Beyond technological innovation, ZestyAI actively collaborates with regulatory bodies. It maintains regular engagement with the National Association of Insurance Commissioners (NAIC) and other state-level departments to ensure ongoing compliance with evolving industry standards.
Through in-house Rating and Advisory Organisations, ZestyAI proactively submits its models for regulatory approval before launching to the market.
ZestyAI director of regulatory affairs Bryan Rehor said, “Roof condition is one of the strongest predictors of loss, yet historically one of the hardest to assess without costly inspections. This approval affirms the accuracy, fairness, and transparency of our approach and reflects our broader commitment to aligning innovation with consumer protection.”
Copyright © 2025 InsurTech Analyst
