Columbia Lloyds Insurance Company has selected ZestyAI’s Risk and Decision Intelligence platform as the regional insurer looks to strengthen underwriting accuracy and property risk visibility across its homeowners portfolio in Texas, Oklahoma and Arkansas.
The Houston-based insurer operates in some of the most weather-exposed regions in the US, where hail, tornadoes and severe convective storms continue to create growing underwriting and exposure management challenges for carriers, according to InsurTech Insights.
Under the agreement, Columbia Lloyds will implement ZestyAI’s Z-PROPERTY platform to assess roof complexity, property condition, construction materials and surrounding environmental risk factors linked to claims exposure and underwriting performance.
The insurer will also deploy ZestyAI’s Roof Age model, which uses more than 20 years of aerial imagery alongside building permit records to identify roof replacement activity that may not appear in traditional property databases.
The platform is designed to provide insurers with a more granular and verified view of property-level exposure, supporting underwriting, pricing and portfolio management decisions across homeowners insurance portfolios.
Columbia Lloyds said the technology will help improve risk selection and strengthen visibility across its book of business in regions increasingly impacted by severe weather events.
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.”
ZestyAI founder and CEO Attila Toth said insurers operating in catastrophe-prone markets are increasingly shifting towards verified property-level intelligence to support underwriting discipline and portfolio resilience.
“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 are designed to support underwriting, exposure management and loss mitigation across weather-related and non-weather risks, while maintaining transparency and regulatory compliance standards.
The company added that its technology has received more than 200 regulatory approvals across the US insurance market.
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