To enhance coverage for manufactured homeowners, Standard Casualty Company has announced a new partnership with ZestyAI, a leading provider of AI-powered property and climate risk analytics. This partnership aims to improve risk assessment accuracy and help policyholders proactively manage their risks, especially in the face of increasing extreme weather events.
Through ZestyAI’s advanced AI analytics, Standard Casualty will be able to assess property-specific risks faster and more precisely. This will enable Standard Casualty to maintain coverage for high-risk manufactured homes, particularly in vulnerable states like Texas, Georgia, Arizona, and New Mexico, where climate change-driven events such as wildfires, hailstorms, and other severe weather pose significant challenges.
Rick Smith, Underwriting Manager at Standard Casualty, highlighted the importance of working with ZestyAI: “We chose ZestyAI because their team knows the industry inside out, and no one else provides the regulatory support that they do. The platform’s transparency and functionality allow us to actively partner with our policyholders on reducing risk rather than simply denying coverage.”
Proactive Risk Management: Empowering Homeowners Before Disaster Strikes
Manufactured homes, commonly known as mobile homes, can be particularly vulnerable to natural disasters due to their construction and design. Fires, floods, and severe storms are all significant risks for these types of properties. By integrating ZestyAI’s suite of AI solutions—Z-PROPERTY, Z-FIRE, and Z-HAIL—Standard Casualty aims to actively collaborate with policyholders to manage and mitigate these risks.
- Z-PROPERTY provides deep property-specific risk insights by evaluating building characteristics and environmental factors, enabling precise underwriting decisions.
- Z-FIRE assesses wildfire hazards and property vulnerability using structural details and climate interactions, helping insurers like Standard Casualty engage homeowners with targeted risk reduction strategies.
- Z-HAIL predicts hail risk by analyzing climatology, geography, and structural features in 3D, helping policyholders prepare for one of the most frequent and costly hazards in the U.S.
These tools will enable Standard Casualty to work more closely with manufactured homeowners to identify vulnerabilities and adopt protective measures, ultimately ensuring that comprehensive coverage is maintained—even in areas that have traditionally been considered too high-risk.
Setting a New Standard in Manufactured Home Insurance
Attila Toth, CEO and Co-Founder of ZestyAI, emphasized the strategic alignment of the two companies: “Standard Casualty’s commitment to reducing policyholder risk aligns seamlessly with our mission at ZestyAI. Our solutions empower insurers like Standard Casualty to guide homeowners by mitigating risks, offering actionable insights into wildfire and hail exposure.”
The partnership is a significant step toward transforming the manufactured home insurance landscape, setting a new benchmark for how insurers and homeowners can collaborate to tackle risk head-on. By focusing on proactive risk management, Standard Casualty and ZestyAI are leading the way in protecting manufactured homeowners from increasingly complex climate threats while maintaining affordable, comprehensive coverage options.
This collaboration reaffirms Standard Casualty’s role as a trusted leader in the manufactured home insurance market—leveraging innovative technology to ensure homeowners can safeguard their properties in the face of an unpredictable climate.
About Standard Casualty Company
Standard Casualty Company, a specialized home-insuring solution business of Cavco Industries, Inc.,has protected homeowners and their investments in manufactured homes for nearly 60 years. As a specialist in manufactured home insurance, Standard Casualty offers comprehensive protection plans for homeowners, backed by exceptional service from dedicated customer support and claims adjusters who ensure fast, accurate claim resolutions.
Learn more about Standard Casualty Company at www.stdins.com.
About ZestyAI
ZestyAI is the leading property and climate risk platform for Property and Casualty insurers in North America. The company has revolutionized the world’s understanding of property and climate perils by combining artificial intelligence with historical losses and cutting-edge data sources.
Leading insurers and real estate companies trust ZestyAI’s platform to identify risk and assess exposure, including the impact of catastrophic events like wildfires, hail, and wind storms. ZestyAI helps insurers make more informed underwriting decisions, rate fairly and accurately, enhance reinsurance outcomes, and improve customer experience through actionable risk insights that both property owners and regulators trust.
For more information on how ZestyAI is revolutionizing risk management, visit www.zesty.ai.