About NorthStar Claims Consulting
NorthStar Claims Consulting is a Minnesota-based independent insurance adjusting firm specializing in property claims, Xactimate estimating, and carrier‑grade reporting. With thousands of claims handled across the Upper Midwest, we deliver clear documentation, predictable timelines, and clean, defendable files for hail, wind, water, and lightning losses.
Who We Serve & What We Do
NorthStar Claims Consulting provides Xactimate and Cotality (Symbility) estimates, General Loss Reports (GLRs), risk descriptions, roof diagrams, photo documentation, and line‑item breakdowns for:
- Residential property claims
- Multi‑family and HOA claims
- Light‑commercial property losses
- Daily and CAT events across Minnesota and the Upper Midwest
We support carriers, TPAs, contractors, and policyholders with accurate, timely, and fully documented claim files that meet internal QA standards.
Our Story
NorthStar Claims Consulting was founded to solve a common industry problem: claims only move when documentation is clear, communication is proactive, and expectations are aligned. Too many files stall because the narrative is unclear, the estimate is incomplete, or the insured is left waiting.
NorthStar was built to eliminate that friction. We bring structure, clarity, and consistency to every assignment — whether it’s a single‑family hail loss or a multi‑structure commercial claim. Our approach is simple: clean documentation + clear expectations = faster, more accurate resolutions.
About the Founder
Kenneth Uko is the founder and principal adjuster of NorthStar Claims Consulting. Known for meticulous scoping, disciplined timelines, and carrier‑aligned reporting, Ken has handled thousands of property claims across residential and commercial lines throughout the Upper Midwest.
His background blends field adjusting, desk adjusting, estimating, and operational workflow design — giving him a builder‑grade understanding of materials, sequencing, and real‑world construction practices. Carriers rely on his ability to produce clear, defendable GLRs, accurate Xactimate/Cotality estimates, and photo sets that tell the full story of the loss.
Professionally, Ken is driven by a simple philosophy: adjusters should make the process easier, not harder. That means contacting insureds quickly, documenting thoroughly, communicating proactively, and delivering files on time — every time.
Outside of adjusting, Ken is a dad, coach, and community leader. He lives in Coon Rapids with his fiancée, Heidi, and their blended family. Whether he’s on a roof, in a gym coaching youth basketball, or volunteering in the community, the through‑line is the same: show up, do the work, and follow through.
Why Clients Choose Us
- Accuracy first: Line‑by‑line estimates with photos, annotations, and age/condition notes.
- Speed with rigor: Fast turnarounds without sacrificing detail or compliance.
- Builder‑grade understanding: We speak contractor, carrier, and policyholder — and bridge the gaps.
- Consistent formatting: GLRs and estimates aligned to carrier and QA expectations.
- Thousands of claims handled: Experience across hail, wind, water, fire, and multi‑structure losses.
How We Work (4‑Step Process)
- Intake: Brief call + file review (loss details, policy notes, photos).
- Scope: On‑site or virtual inspection; measurements; material ID; full photo set.
- Estimate & GLR: Xactimate/Cotality estimate + GLR with findings, rationale, and code notes.
- Handoff & Support: Revisions (if needed), final files, and next‑step guidance.
“NorthStar’s estimate and GLR made approval straightforward. Clear photos, clear line items — done.”
— Desk Adjuster, Midwest Carrier
Credentials & Associations
- Xactimate & Cotality (Symbility) proficient
- Residential & light‑commercial property scopes
- Fully insured; references available upon request
- Daily & CAT experience across the Upper Midwest
FAQs
How fast can you turn around an estimate?
Typical delivery is 24–72 hours after scoping, depending on complexity.
Do you handle multi‑structure sites?
Yes — dwellings, detached garages, sheds, outbuildings, and multi‑family structures.
Can you match carrier formatting?
Yes — GLR and estimate formatting can be aligned to your internal/QA preferences.