The Donegal ZestyAI partnership is expanding beyond roof-age data. In an announcement dated October 22, 2026, the insurer said it is adding Z-PROPERTY to deepen its understanding of insured properties and exposures across its personal lines portfolio.
Key Takeaways
- Donegal is adding Z-PROPERTY to assess a wider range of property characteristics.
- The relationship began in 2025 with ZestyAI’s Roof Age solution for the homeowners business.
- The expansion is intended to support underwriting, portfolio risk management and reinsurance decisions.
Table of Contents
- Donegal ZestyAI partnership moves beyond roof age
- Existing data foundation and limits of the announcement
- Conclusion
Donegal ZestyAI partnership moves beyond roof age
The expanded property-risk partnership broadens a relationship that initially focused on improving Donegal’s internal roof-age data. Z-PROPERTY adds information about other property characteristics that affect risk and premiums, giving portfolio managers a wider basis for evaluating policies and aggregate exposure.
The distinction is between knowing when a roof was replaced and understanding more of the property’s current risk characteristics. The new product is intended to complement the roof-age information already available to Donegal’s teams, rather than simply repeat that assessment.
Jeffery Hay, Donegal Insurance Group’s chief underwriting officer, said the initial work strengthened the roof-age data available to staff. He said the expansion would give the insurer a more complete understanding of the properties it insures and greater confidence in evaluating, managing and reinsuring risk.
| Item | Details |
|---|---|
| Roof condition | One of the property variables covered by the Z-PROPERTY expansion. |
| Roof complexity | An additional characteristic included in the broader risk assessment. |
| Lot debris | A property-level feature identified as relevant to risk and premiums. |
Existing data foundation and limits of the announcement
Donegal selected Roof Age in 2025 for its homeowners business. The solution combines building permit records with more than 20 years of historical aerial imagery to identify roof replacement events.
ZestyAI says Roof Age provides near-complete coverage of the contiguous United States with accuracy above 90%. That stated accuracy applies to the roof-age solution; the announcement did not provide a separate numerical accuracy measure for Z-PROPERTY’s other property characteristics.
The companies presented the expansion as a way to improve the information behind insurance decisions. They did not disclose financial terms, quantify expected savings or premium effects, or provide a detailed implementation timetable.
Conclusion
The expansion gives Donegal a broader set of property-risk inputs, but the announcement does not establish a financial outcome. Implementation details and measurable underwriting results remain undisclosed.
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