Anthony R. O’Donnell // May 8, 2025 
(Image source: Farmers and Mechanics homeowners page.)
Farmers and Mechanics Mutual Insurance Company of West Virginia (Martinsburg, W.Va.) has partnered with ZestyAI(San Francisco) to adopt AI-powered property risk analytics for improved underwriting and risk-based pricing across its portfolio. The insurer will use ZestyAI’s Z-PROPERTY™ Location Insights to support rating accuracy and operational efficiency.
Roof claims remain the leading driver of property insurance losses, yet many carriers rely on self-reported data or costly inspections. Research cited by ZestyAI indicates that 15 percent of roofs are at least eight years older than reported, underscoring the need for