Zesty.ai has submitted three catastrophe models — Z-WIND, Z-HAIL, and Z-STORM — for regulatory review in Virginia, effective November 20, 2025. The models are designed for use in Homeowners rating and provide claim frequency and severity scores that carriers can convert into underwriting rules, eligibility screens, or rate-neutral factors.

Carriers can also license Zesty.ai as a data vendor, using individual Z-WIND or Z-HAIL variables to augment existing workflows.

The filing includes confidential model memoranda for Z-WIND and Z-HAIL, marked not for public disclosure.