Connecticut Insurance Department Green Lights ZestyAI’s AI-Powered Roof Quality Solution

ZestyAI, the leader in property and climate risk analytics, today announced that its Roof Quality solution has received formal acknowledgement from the Connecticut Insurance Department (CID) for use in residential property rating and underwriting.

CID conducted a comprehensive third-party actuarial review of ZestyAI’s model, evaluating methodology, data integrity, and regulatory compliance against its rigorous standards. This regulatory approval builds on ZestyAI’s growing track record of collaboration with insurance regulators nationwide.

Part of ZestyAI’s Digital Roof and Location Insights products, the Roof Quality model enables insurers to assess and price roof risk with unmatched accuracy. By combining 3D property analysis, high-resolution aerial imagery, and AI trained on extensive real-world data, the platform replaces subjective or incomplete assessments with objective, property-specific intelligence.

The model classifies roofs into five standardized condition levels, helping insurers assess property risk with greater precision. It distinguishes between surface-level wear and structural issues, flagging meaningful signs of deterioration such as missing shingles, tarps, or water pooling.

“Roof condition is one of the strongest predictors of loss, yet historically one of the hardest to assess without costly inspections,” said Bryan Rehor, Director of Regulatory Affairs at ZestyAI. “This approval affirms the accuracy, fairness, and transparency of our approach and reflects our broader commitment to aligning innovation with consumer protection.”

ZestyAI maintains active engagement with the National Association of Insurance Commissioners (NAIC) and state-level departments to ensure its models meet evolving standards for fairness, transparency, and consumer protection. By proactively filing through in-house Rating and Advisory Organizations, ZestyAI ensures its models meet the strictest regulatory standards before reaching market. 

ZestyAI’s models are trusted by regulators and insurers to assess risk in the nation’s most climate-exposed regions with Z-FIRE, ZestyAI’s wildfire risk model, approved by regulators in all western states. Its Severe Convective Storm suite is approved in 16 states across the Midwest, Great Plains, and South.