Houston-based regional carrier adopts AI-powered risk analytics and verified roof age to sharpen exposure data and strengthen risk decisions
San Francisco, CA; May 21, 2026 – Columbia Lloyds Insurance Company, a Houston-based regional insurer serving homeowners across Texas, Oklahoma, and Arkansas, has selected ZestyAI’s Risk and Decision Intelligence platform to sharpen underwriting accuracy, strengthen portfolio management, and improve visibility into property condition and risk exposure across its book of business.
Columbia Lloyds will use ZestyAI’s Z-PROPERTY™ model to evaluate roof complexity, materials, condition, and surrounding risk factors that directly shape loss potential and underwriting outcomes. Paired with ZestyAI’s Roof Age – which cross-validates building permit records against more than 20 years of aerial imagery to detect replacement events that traditional records miss and assigns a confidence score to every property – the carrier gains a verified, property-level view of exposure it can apply consistently across its homeowners book.
Sam Bana, Chief Operating Officer of Columbia Lloyds, said: “We write homeowners business in some of the toughest weather territory in the country. ZestyAI gives us the verified property data we need to make better decisions on every risk we write and across the portfolio as a whole.”
Attila Toth, Founder and CEO of ZestyAI said: “The carriers succeeding in the most weather-exposed markets today are the ones operating on verified, property-level data rather than assumptions. Columbia Lloyds is taking a disciplined approach to how they underwrite, price, and manage exposure, and we’re proud to support how they’re shaping a more resilient book across Texas, Oklahoma, and Arkansas.”
ZestyAI’s models are built with transparency, validation, and regulatory readiness at the forefront, giving insurers confidence to rely on them in portfolio decisions. With more than 200 regulatory approvals secured nationwide, the platform is used by leading insurers to improve underwriting accuracy, manage exposure, and reduce loss volatility across weather- and non-weather-driven perils.
About Columbia Lloyds and MDOW Insurance Companies
Founded in 1985, Columbia Lloyds is the parent company of MDOW Insurance Company, both of whom are headquartered in Houston, Texas. Columbia Lloyds and MDOW Insurance Companies are led by Milby Dunn, II as Chairman of the Board, John R. Todd as Pres. & CEO and Shabbir (“Sam”) Bana as COO. The Group proudly serves the Texas, Oklahoma and Arkansas region by providing a dependable market for Low Value and Standard Homeowners, Farmowners and Auto (available offerings vary by company and territory).
About ZestyAI
ZestyAI is the Risk and Decision Intelligence Platform for the insurance industry. Trusted by Property & Casualty carriers, reinsurers, brokers, and regulators across the United States, ZestyAI helps insurers make better decisions faster and with greater confidence. The platform unifies property-level data, predictive AI models, and agentic AI automation to transform how insurers see, price, and manage risk. Through machine learning, computer vision, and regulatory-grade transparency, ZestyAI delivers precision and performance across underwriting, rating, reinsurance, and regulatory workflows.
Validated by climate science and historical loss data, ZestyAI’s models cover major perils including wildfire, severe convective storm, and non-weather water. From improving pricing accuracy to strengthening reinsurance outcomes, ZestyAI brings trusted AI to every insurance decision – helping the industry operate with speed, accuracy, and resilience.
