Columbia Lloyds Insurance Company has selected ZestyAI’s Risk and Decision Intelligence platform to improve underwriting accuracy and property risk visibility. The regional insurer will use the technology across its homeowners portfolio in Texas, Oklahoma, and Arkansas.
The Houston-based insurer operates in some of the most weather-exposed parts of the U.S. Hail, tornadoes, and severe convective storms continue to raise underwriting and exposure management pressure for carriers in those markets.
Under the agreement, Columbia Lloyds will implement ZestyAI’s Z-PROPERTY platform. The system assesses roof complexity, property condition, construction materials, and environmental risk factors tied to claims exposure and underwriting performance.
The insurer will also use ZestyAI’s Roof Age model. The model draws on more than 20 years of aerial imagery and building permit records to identify roof replacement activity that older property databases often miss.
ZestyAI’s platform gives insurers a more detailed, verified view of property-level exposure.
That data supports underwriting, pricing, portfolio management, and claims-related decisions across homeowners insurance books.
Columbia Lloyds said the technology will help improve risk selection. It will also give the insurer better visibility across a portfolio exposed to worsening severe weather events.
Sam Bana, chief operating officer of Columbia Lloyds, said the company writes homeowners coverage in some of the toughest weather territory in the country. He said ZestyAI provides verified property data needed to make better decisions on each risk and across the full portfolio.
ZestyAI founder and CEO Attila Toth said insurers in catastrophe-prone markets are moving toward verified property-level intelligence. He said carriers performing well in weather-exposed markets rely on property data rather than assumptions.
Toth said Columbia Lloyds is taking a disciplined approach to underwriting, pricing, and exposure management. He said ZestyAI will support the insurer as it builds a more durable book across Texas, Oklahoma, and Arkansas.
“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.”
ZestyAI said its AI-driven models support underwriting, exposure management, and loss mitigation across weather and non-weather risks. The company said its systems also maintain transparency and regulatory compliance standards.
The company added that its technology has received more than 200 regulatory approvals across the U.S. insurance market.
