The partnership aims to revolutionise how property risks are assessed and mitigated, offering enhanced protection for homeowners, especially in high-risk areas. The collaboration comes as extreme weather events, fuelled by climate change, pose increasingly complex risks for property owners. By integrating ZestyAI’s advanced risk analytics platform, Standard Casualty will gain faster and more precise insights into property vulnerabilities, allowing the company to maintain comprehensive coverage in states like Texas, Georgia, Arizona, and New Mexico—areas frequently exposed to severe weather events.
“Mobile homes face unique challenges when it comes to accidents and natural disasters, from fires to hailstorms,” said Rick Smith, Underwriting Manager at Standard Casualty. “ZestyAI’s solutions not only provide detailed risk insights but also enable us to actively collaborate with policyholders to reduce these risks. The approach helps ensure coverage remains available, even in high-risk regions.”
Standard Casualty will deploy ZestyAI’s suite of solutions, including Z-PROPERTY, Z-FIRE, and Z-HAIL, to adopt a proactive approach to risk management. Z-PROPERTY provides granular risk insights by analysing building characteristics and environmental factors, empowering underwriters to make data-driven decisions. Z-FIRE assesses wildfire hazards and vulnerabilities by evaluating how structural features interact with local climate, enabling insurers to guide policyholders in mitigating risks. Meanwhile, Z-HAIL predicts hail claim frequency and severity by combining climatology, geography, and 3D structural modeling, building on research from the Insurance Institute for Business & Home Safety (IBHS). These tools enable Standard Casualty to identify vulnerabilities and address them before disaster strikes.
“ZestyAI’s transparency and industry expertise align perfectly with our goals,” Smith added. “Their tools allow us to move beyond traditional underwriting by fostering a partnership with policyholders that focuses on risk reduction rather than simply denying coverage.” Attila Toth, CEO and Co-Founder of ZestyAI, emphasised the importance of the collaboration: “Standard Casualty’s commitment to reducing policyholder risk aligns seamlessly with our mission at ZestyAI. Our solutions empower insurers to offer actionable insights, helping homeowners mitigate risks related to wildfires and hail. The collaboration sets a new standard for how insurers and homeowners can tackle risk together.”
The partnership positions Standard Casualty as a leader in the manufactured home insurance market, enhancing its reputation as a trusted expert in property risk assessment and mitigation. By leveraging ZestyAI’s technology, the insurer is poised to expand its reach while ensuring homeowners receive the protection they need in an increasingly volatile climate.
