Zephyr Resilience provides an integrated platform that turns routine home improvement projects into insurance-grade structural upgrades, helping American homeowners reduce storm and disaster risk. The company manages the full process—assessment, contractor coordination, financing, certification, and monitoring—while enabling insurers to price premiums based on verified property-level mitigation. Their data-driven approach includes pre- and post-upgrade eligibility modeling and AI-enabled verification to substantiate loss savings.
Funding
Funding not disclosed
Founders
Product
Problem
Storm and disaster risk is actively eroding the affordability of American homeownership. Insurance premiums are rising sharply, carriers are pulling back from high-risk markets, and millions of families face growing exposure with few options, even though property-level risk analytics have become extraordinarily precise.
Solution
Zephyr Resilience is building the infrastructure to make structural risk reduction as scalable as risk measurement. The company turns routine home improvement projects into insurance-grade resilience upgrades that create shared value across homeowners, contractors, insurers, and financial markets. Zephyr manages the entire process end-to-end—from risk assessment and contractor coordination to financing, certification, and ongoing monitoring. The result is a property that is measurably harder to damage, portfolios with lower loss ratios, and communities where resilience becomes the default rather than the exception.
Target Audience
Primary beneficiaries include American homeowners in high-risk markets, property insurers seeking to reduce loss ratios, and contractors looking to differentiate through certified resilience upgrades.
Features
- Embedded Resilience model that verifies loss savings exceed the cost of financing upgrades
- Property-level risk rating and benefit-cost modeling for pre- and post-upgrade eligibility
- AI-enabled verification of completed resilience improvements
- Pricing infrastructure that reflects mitigation measures most underwriting models cannot currently see
- End-to-end process covering assessment, contractor coordination, financing, certification, and ongoing monitoring