"We want to provide the best information that one can put together by combining the cutting-edge AI, cutting-edge science, with leveraging data analytics… We want to put the right data at everybody's fingertips so that the right decisions are being made," said Kumar Dhuvur, co-founder and head of product at ZestyAI. (Credit: Mdisk/Adobe Stock)

Most insurers have switched from the traditional adage of "detect and repair" to a "predict and prevent" mindset, with a focus on home maintenance, such as checking the roof for broken shingles, and disaster preparedness efforts like creating defensible space around the home. Some insurers are turning to artificial intelligence (AI) to improve their predict and prevent models. This switch may increase access to coverage for insureds in hard markets, lower premiums and prevent insurers from having to withdraw coverage in high-risk states.

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Ashley Hattle-Cleminshaw

Ashley Hattle-Cleminshaw serves as ALM's PropertyCasualty360 Senior Editor. She brings 10 years of experience in journalism and communications to the editorial team. Reach her by sending an e-mail to [email protected].