Southern Oak Deploys ZestyAI’s Risk Platform to Improve Risk Visibility and Reduce Losses in Florida
By Lauren Hinton · 17 September 2025
Southern Oak Insurance Company, a Florida-based insurer specializing in personal residential property coverage, has adopted ZestyAI’s AI-powered property risk platform to improve visibility into property condition and exposure across its homeowners portfolio.
By analyzing structural and environmental vulnerabilities, such as roof degradation, overhanging vegetation, yard debris, and secondary structures, ZestyAI’s platform equips Southern Oak to take targeted actions that help reduce losses and manage exposure more effectively. These granular, property-level insights also offer a clearer view of changing risk conditions across one of the most challenging insurance markets in the country.
Southern Oak is leveraging two core capabilities within ZestyAI’s Z-PROPERTY solution:
- Digital Roof applies AI to high-resolution aerial imagery to assess roof complexity, materials, and condition, flagging structural vulnerabilities before they become claims.
- Location Insights evaluates the broader parcel to surface risk factors such as vegetation overhang, yard debris, and secondary structures that can amplify storm losses or drive claim severity.
Companies in this story: Southern Oak Insurance Company, ZestyAI
People in this story: Tony Loughman, Attila Toth