Adaptive Insurance, a specialist provider of climate-focused insurance products, has selected ZestyAI, an AI-powered risk and decision intelligence platform, to integrate property-level storm risk scoring into its wind and hail underwriting and pricing programmes.
ZestyAI’s Z-STORM product will now underpin Adaptive’s approach to assessing wind and hail exposure, offering granular risk differentiation at the individual property level rather than relying on broader territory or postcode-based methodologies.
Z-STORM generates property-specific risk scores by analysing how local climatology interacts with the physical characteristics of individual structures. Its predictive capabilities span hail and wind exposure, drawing on verified carrier claims data to forecast both the frequency and severity of storm-related losses.
The model is capable of identifying properties at elevated risk even when they sit alongside lower-risk buildings within the same neighbourhood. Key functions include assessing hail vulnerability through factors such as roof geometry and accumulated damage, evaluating wind susceptibility via AI-driven analysis of roof condition and complexity, and forecasting total storm losses by examining how climate patterns interact with each structure’s unique features.
Each risk score is accompanied by transparent explanations of the underlying drivers, which ZestyAI says supports more defensible rate-making.
Z-STORM has received regulatory acceptance across 32 US states, with ZestyAI’s broader portfolio of AI-powered risk models having accumulated more than 200 regulatory approvals nationwide.
Adaptive Insurance CEO and co-founder Mike Gulla said, “What sets ZestyAI apart is their ability to split risk at the individual property level. 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.”
ZestyAI founder and CEO Attila Toth said, “Adaptive Insurance joins a growing group of carriers bringing greater precision to storm risk underwriting. 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.”
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