Augusta Mutual, a Virginia-based insurer, has partnered with ZestyAI, a risk and decision intelligence platform, to enhance property underwriting accuracy and support sustainable growth across the state.
The partnership will see Augusta Mutual implement ZestyAI’s Roof Age and Z-PROPERTY™ solutions, enabling more precise underwriting, targeted inspections, and a broader, AI-driven view of property risk.
The tools deliver property-level insights including verified roof age, roof condition, vegetation overhang, and debris accumulation—factors that directly impact claim frequency and severity.
By upgrading from traditional imagery and inspection methods to ZestyAI’s computer vision and machine learning technology, Augusta Mutual gains more consistent property coverage and improved decision-making capabilities. This transition allows the insurer to optimise risk assessment and streamline processes while maintaining high service standards for its Virginia policyholders.
ZestyAI’s Roof Age solution uses over 20 years of aerial imagery combined with building permit data to detect roof replacement events, assigning confidence scores across 97% of U.S. properties. Z-PROPERTY™ complements this by evaluating roof complexity, materials, condition, and additional parcel-level attributes that influence loss potential.
ZestyAI collaborates closely with regulators to ensure its AI models remain transparent, validated, and continuously monitored. Its portfolio has received nearly 100 regulatory approvals nationwide, allowing insurers to deploy models with confidence in both accuracy and compliance.
Gretchen H. Collins, vice president of underwriting at Augusta Mutual, said, “ZestyAI’s solutions bring a new level of precision to our underwriting process. We moved from legacy property risk tools to gain broader, verified property coverage, helping us make faster, more consistent, and more confident decisions for our policyholders across Virginia.”
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