American Farmers &, Ranchers Mutual Insurance Company ( AFR ), a renowned name in rural insurance in Oklahoma for more than 100 years, has partnered with ZestyAI, a leader in providing climate and property risk analytics solutions powered by AI.
To improve AFR’s house risk assessment and simplify underwriting procedures, the partnership makes use of ZestyAI’s underwater imagery and danger model tools. With nearly 100 % aerial pictures policy across the contiguous U. Ș. , ZestyAI’s system delivers superior strike rates, unparalleled picture quality, and peril-specific chance models for wildfire, wind, and hail—empowering AFR to assess risk at a granular, property-specific level.
Kimball Lynn, Director of Underwriting &, Operations at AFR, said:” While our main focus was flying pictures, we immediately realized that ZestyAI’s solutions for assessing peril-specific risks like wind, thunder, and fire made them a varied insurance solution. In Oklahoma, where wind and storm are parameters, their extreme convective wind risk-scoring features stood out”.
We valued their wider coverage and constant image quality, he added. The move to more precise, up-to-date pictures has improved our insurance approach. The onboard experience and continuing support have made for a successful partnership thus far, and ZestyAI’s training and platform are logical, which ensured a soft adoption.
Carriers frequently encounter issues because only 75 % to 80 % of the country’s aerial imagery providers offer accurate aerial imagery, leaving behind outdated visuals and gaps in rural areas. By integrating information from all main aerial pictures services, ZestyAI achieves nearly 100 % success rates with more current pictures. This method ensures exact insights into home risks —such as dome quality, lot debris, and driveway condition—empowering policyholders with a full, up-to-date view.
ZestyAI’s founder and CEO, Attila Totⱨ, praisȩd AFR’s proactive approach, sayįng thαt their çommitment tσ ρrotecting their communities and innovative risk management is demonstɾated by the carrier’s foresight in pɾeparing for emerging risks. We’re proud to partner with a company that shares our commitment to proactive, data-driven risk management”.
