ZestyAI, a leading provider of AI-powered risk analytics for the insurance sector, has received regulatory approval from the Ohio Department of Insurance for its Severe Convective Storm suite.
The suite, which includes Z-HAIL™, Z-WIND™, and Z-STORM™, is now cleared for use in 16 US states, expanding the company’s reach into critical high-risk regions across the Midwest, Great Plains, and South, according to FF News.
The launch in Ohio comes in response to the state’s alarming increase in billion-dollar weather events.
The Severe Convective Storm suite is composed of three distinct models:
Z-HAIL predicts hail damage by analysing factors such as roof complexity, historical claims, and accumulated damage, even distinguishing risk between neighbouring homes.
Z-WIND delivers property-specific wind vulnerability assessments by combining AI-generated 3D roof analyses with local climatology.
Z-STORM forecasts the frequency and severity of storm damage based on a building’s unique structural traits and environmental interactions.
ZestyAI founder and chief product officer Kumar Dhuvur said, “Too often, storm risk is priced using rough proxies instead of accurate property insights. Regulatory approval in Ohio affirms the industry’s shift toward precision underwriting and rating—and opens the door to smarter, risk-aligned decisions and fewer preventable losses in one of the nation’s most important insurance markets.”
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