AI Wildfire Risk Underwriting 2026: ZestyAI vs Delos
Discover how AI wildfire risk underwriting software from ZestyAI and Delos scores your property in 2026 — and how to fight a non-renewal or rate hike.
Chapter 1: The 2026 Wildfire Underwriting Reckoning: Why AI Scoring Became Mandatory If you own a business in California, Colorado, Oregon, or increasingly Texas and Arizona, you have already felt this: the renewal quote that tripled, the carrier that non-renewed you with 45 days' notice, the broker who stopped returning calls because there was nothing left to sell you. What happened between January 2025 and today is not a market cycle. It is a structural repricing of wildfire risk, and the technology that drove it — AI wildfire risk underwriting software — is now the gatekeeper standing between your property...