Lilypad Insurance Partners With ZestyAI to Strengthen Coastal Portfolio Using AI-Driven Risk Analytics

ZestyAI, the Risk and Decision Intelligence Platform for the insurance industry, announced that Lilypad Insurance is using ZestyAI’s Roof Age and Z-PROPERTY™ solutions to enhance its view of property risk across coastal homeowners and dwelling fire portfolios.

Lilypad Insurance focuses on delivering stable and reliable coverage to homeowners and property owners in hurricane- and catastrophe-exposed coastal communities. By leveraging ZestyAI’s building attributes and parcel-level characteristics, Lilypad gains a clearer view of property risk and how exposure accumulates across its coastal portfolio.

Lilypad, through its managing general agency, is deploying two of ZestyAI’s proven solutions to gain a more granular, defensible view of property risk:

Roof Age

Delivers verified roof age by cross-validating building permit records with over 20 years of aerial imagery, detecting roof replacement events, and assigning confidence scores across 97% of U.S. properties.

Z-PROPERTY™

Applies AI to high-resolution aerial imagery to assess roof complexity, materials, and condition, while evaluating parcel-level features such as vegetation overhang, yard debris, and secondary structures that influence claim frequency and severity across multiple perils.

“Coastal properties present a unique combination of exposure, from roof condition and construction features to how the parcel is maintained. ZestyAI’s roof and parcel-level analytics give us a clearer, property-level view of the homes we insure, helping us reduce uncertainty and better manage portfolio volatility.”
— Tony Hare, Chief Operating Officer & Chief Underwriting Officer, Lilypad Insurance

“Lilypad is building a more resilient coastal portfolio by replacing exposure unknowns with verifiable property-level truth. Granular, regulator-approved analytics bring confidence to risk and capital decisions behind reliable customer protection.”
— Attila Toth, Founder and CEO, ZestyAI

ZestyAI works closely with regulators to ensure transparency, validation, and continuous monitoring of its AI-driven models. Its portfolio of risk models has secured nearly 100 approvals from regulators nationwide, giving insurers confidence they can be deployed immediately with the accuracy and transparency regulators demand.