Donegal Insurance Group partners with ZestyAI for property risk assessment solution

Donegal Insurance Group has partnered with ZestyAI, a climate and property risk analytics solutions provider, to utilise its new AI-powered solution to enhance property risk assessment by accurately determining roof age across the US.

Through the project, Donegal will utilise ZestyAI’s Roof Age solution to fill in the missing roof age information during the renewal of Homeowner policies.

ZestyAI’s Roof Age solution pinpoints the age of a roof using data from both building permits and historical imagery going back 20-plus years.

With this approach, the company can determine the age of each roof across the contiguous US, with an accuracy rate of over 90 % and nearly 100% coverage.

Hank Narvaez, Vice President of Personal Lines Product Development at Donegal, said: “Accurate roof age information is critical for properly assessing and pricing risk. ZestyAI’s Roof Age solution was a clear choice for us due to its solid coverage length of historical imagery. By leveraging both building permit data and aerial imagery, we gain added confidence in our underwriting and rating decisions.”

Attila Toth, Founder and CEO of ZestyAI, added: “Blind spots in assessing property risk can be very costly for insurers. Roof claims stand as the primary driver of insurance losses, yet many carriers continue to rely on unvalidated roof age information. We are excited to partner with Donegal to enhance their risk assessment with the most accurate roof age solution on the market.”

Roof Age is one part of ZestyAI’s comprehensive suite of products tailored to assess roof-related risk.

Other solutions include Digital Roof, which creates a digital twin of every structure in the US for unparalleled insights on condition, complexity, and potential points of failure.

ZestyAI’s products also include peril-specific risk models such as Z-HAIL, Z-WIND, and Z-STORM.

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