Columbia Lloyds Insurance Company has selected ZestyAI’s Risk and Decision Intelligence platform as the regional insurer looks to strengthen underwriting accuracy, portfolio management and property risk visibility across its homeowners business in Texas, Oklahoma and Arkansas.
The Houston-based insurer operates in some of the most weather-exposed regions in the United States, where catastrophic convective storms, hail events and tornadoes present significant underwriting challenges.
Under the agreement, Columbia Lloyds will implement ZestyAI’s Z-PROPERTY™ model to assess roof complexity, materials, property condition and surrounding risk factors that influence loss potential and underwriting performance.
The insurer will also adopt ZestyAI’s Roof Age model, which combines more than 20 years of aerial imagery with building permit records to identify roof replacement events that may not appear in traditional databases and assign confidence scores at the property level.
The platform is intended to provide a more detailed and verified view of property exposure across the insurer’s homeowners portfolio.
Sam Bana, Chief Operating Officer of Columbia Lloyds, said: “We write homeowners business in some of the toughest weather territory in the country. ZestyAI gives us the verified property data we need to make better decisions on every risk we write and across the portfolio as a whole.”
Attila Toth, Founder and CEO of ZestyAI, said insurers operating in weather-exposed markets are increasingly relying on verified property-level data to support underwriting and pricing decisions.
“The carriers succeeding in the most weather-exposed markets today are the ones operating on verified, property-level data rather than assumptions,” said Toth.
“Columbia Lloyds is taking a disciplined approach to how they underwrite, price, and manage exposure, and we’re proud to support how they’re shaping a more resilient book across Texas, Oklahoma, and Arkansas.”
According to ZestyAI, its models are designed with transparency, validation and regulatory compliance in mind, supporting insurers in underwriting, exposure management and loss mitigation across weather-related and non-weather risks.
The company said its technology has received more than 200 regulatory approvals across the United States.
The move comes as insurers continue to explore AI-driven tools to improve risk selection and portfolio resilience in regions increasingly affected by severe weather events.
