Zesty.ai Property Risk Solutions has submitted a model filing in Nevada for its predictive property-level tools, Z-WIND™, Z-HAIL™, and Z-STORM™, designed for homeowners insurance.

Filed on September 4, 2025, the models allow carriers to underwrite and price based on property-specific wind and hail risk, including claim frequency and severity scores. Z-STORM™ combines both models to produce storm-level risk scores. Insurers can also leverage individual variables to support underwriting and customer discussions.

The filing does not impact rates directly; carriers adopting these models must make separate filings. Zesty.ai highlights the models’ potential to expand insurability in high-risk areas while offering transparency around key risk drivers for homeowners.