ZestyAI has secured approval from The Arizona Department of Insurance and Financial Institutions for its Severe Convective Storm (SCS) suite, a set of AI-powered risk assessment models. 

The suite includes the Z-HAIL, Z-WIND, and Z-STORM models.  

This suite provides insurers with property-level risk assessments for severe weather events to predict both the likelihood and severity of storm-related insurance claims. 

ZestyAI’s suite utilises a combination of local climatology and individual property features to deliver a more precise analysis than traditional ZIP code or territory-based methods.  

Each model within the suite is supported by real-world claims data, offering insurers a validated tool for understanding and explaining the drivers of each risk score, the company claims.  

Specifically, the Z-HAIL model is designed to assess hail damage risk and claim severity, considering factors such as roof complexity and historical loss data.  

The Z-WIND model integrates AI-generated analysis of roof conditions with local weather data to evaluate wind claim vulnerability.  

The Z-STORM model combines these approaches to predict the frequency and severity of storm damage claims that include both hail and wind factors. 

ZestyAI regulatory affairs director Bryan Rehor said: “Arizona is a key market for many of our carrier partners, and one of the most rigorous regulatory environments for model review.  

“This approval is a strong signal of confidence in our technology and our commitment to transparency, precision, and regulatory alignment.” 

With the inclusion of Arizona, the suite is now approved in 19 US states. Arizona has also approved a fourth model from ZestyAI, the Z-FIRE, which is an AI-powered wildfire risk model already operational within the state.

In March 2025, the company received approval for its SCS suite in five additional US states: Oklahoma, North Carolina, Louisiana, Wisconsin, and Arkansas.