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RELIANT CLAIMS SERVICE, INC.

Centrally located in Oakland, California, our firm provides independent insurance claims services. Our key staff each have over 25 years experience delivering personalized, quality attention to clients and their insureds.

License no. 2D53161 

About Us



We are a well-regarded independent insurance claims firm which takes pride in delivering timely, personal attention to clients and their insureds, from an experienced and professional perspective.
Reliant Claims Service, Inc. was established in April of 2002 by John D. Ratto and Catherine “Kay” Naumann after they had each spent years in various forms of claims practice in the insurance industry, John as a claims adjuster and Kay as an attorney. 

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What we do

We provide a broad range of expert claims services throughout California.

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Where we are

We are centrally located in Oakland, California, allowing us easy access to the nine Bay Area Counties, three international airports and areas well beyond.

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Why Reliant?

Our well educated and experienced staff ensure all aspects of your claim matters are handled properly, timely and with integrity.

Our Services


We provide a broad range of services including field adjustments and investigations, claims and litigation management, §2071 appraisals, mediations and settlement conference participation, subrogated recoveries, DOI and SIU training/certifications and underwriting/risk assessments.

Our staff can handle the ordinary or the problematic claim; we can handle English, Spanish and German speaking insured/claimants. Our formal reports are well written, comprehensive and tailored to the client’s specific form requirements. Our timely services keep you and your clients informed and satisfied. We have fair and reasonable billing rates for high quality service.

Commercial & Residential Property Claims

Complete claims handling from the initial management of the loss site through subrogated settlements.

Types of Risks Covered Types of Properties Covered
FireMobile Homes
Vandalism
Agricultural Properties
Earthquakes
Common-Interest Developments
Builder's Risk
Tenant Occupied and Illegal Occupancy
Damage or Theft
Medical and Hazardous Materials Facilities 
Construction Defect
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Content and Fine Art
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Third Party Liability Claims

Types of Liability SItuations Covered
Arbitration
Litigation Review
Employment Practices
Pre-trial Investigations
Support and Management
Directors & Officers Liability
Comprehensive General Liability
Claims Settlement Negotiations
Settlement Conference and Mediation Attendance

Other Services We Provide

Complete claims handling from the initial management of the loss site through subrogated settlements.

Self-Insured Retention & TPA ServicesClaims Consulting DOI & SIU Training Underwriting Evaluations Appraisals & Evaluations Inland Marine
Individual Insured Loss Adjustment
Expert Witness Review & Testimony
Appointment as Appraiser
Motor Truck Cargo
Pre-loss Risk Assessment and Management
Risk Assessment
Policy Appraisal Process
Marine Cargo
Monitoring and Negotiation up to any Retention AmountRebuild Evaluations 
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Jewelers Block 
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Litigation Review & Consulting 
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OUR AWESOME TEAM!

Our staff members have a broad range of education, technical skills and above all experience. Having handled thousands of claim matters over the years, they have seen countless loss scenarios, allowing them to quickly and accurately access the issues and address the best approach and solutions.

Because we have committed to staying a small, quality firm, our staff works well together to provide especially attentive, detailed and creative solutions for both ordinary claims and the unusual requests.

John Ratto

President

Catherine "Kay" Naumann

Claims Manager

Claire Shepherd

Claims Adjuster

Kristin Holzer

Claims Assistant

Team Background

John has been a California adjuster since 1989. He obtained his B.A. in Communications from Sonoma State University (an interesting fact, he worked during college as the local television station's weather man). John began his adjusting career at Fireman's Fund Insurance Company in San Francisco and then worked with the firm of Maxson Young & Associates where he adjusted local and international commercial claims.

Many of the losses John handled during this time involved special circumstances, such as the Oakland Hills fire storm, Hurricane Iniki, and post-war damage assessments in Kuwait. John also served as the interim manager of the Toplis & Harding Singapore office and then moved to D.L. Glaze Company, a long established California adjusting firm.

Finally, in a desire to fulfill his own vision of claims services to insurance clients, John established Reliant Claims Service, Inc. in 2002. John currently handles commercial and residential property losses for Reliant Claims Service and serves as an appraiser and expert consultant in various claims disputes and litigation matters. He is also a long standing member and currently an officer on the board of the California Association of Independent Insurance Adjusters.

John D. Ratto
President

Kay has been a licensed California attorney (sbn: 148534) since 1990 and she remains an active member of the California Bar. She is also a member of the Texas Bar, as that is her home state.

After obtaining her undergraduate degree from Mills College and then Juris Doctorate from Tulane University law school, Kay began her legal practice in 1990 with the boutique maritime firm of Law Offices of George W. Nowell where she handled insurance coverage and insurance litigation matters. She then joined the firm of Castleman, McFalone & O’Blennis (later The Castleman Law Firm) in Pleasanton, California where she continued to handle the firm’s insurance coverage work and enjoyed a larger litigation practice.

As part of her practice she served as a mediator with the local community mediation agency and served on several area boards including the YMCA and an area Chamber of Commerce. Inspired by John’s vision of a quality insurance claims service, she joined him in starting Reliant Claims Service, Inc. in 2002. Kay handles liability and property claims for Reliant Claims Service, provides client training and certification and multiple litigation consulting services.

Catherine "Kay" Naumann
Claims Manager

Claire has over 15 years of experience as an executive assistant for various international companies. She graduated from York College, United Kingdom, and she is a certificated riding instructor who trained at Yorkshire Riding Center.

Her many years participating in advanced level equestrian eventing (at a three star level for those who understand the rankings) have clearly developed her tenacity and attention to detail. Claire trained at Reliant Claims Service as an adjuster and over the years she has become a key asset of our firm.

While many clients are delighted at her English accent when they first speak with her on the telephone, they are far more delighted when they quickly realize her ready ability to handle their claims issues.

Claire Shepherd
Claims Adjuster

Kristin has been with Reliant Claims Service for roughly four years where she has learned the best claims practices as she trained to be a claims assistant. Her B.F.A in graphic design and past work experiences has given her a keen eye for detail and organization which has been tremendously helpful in maintaining order for our claim services. Kristin also has a great sense of humor that has made for an awesome work environment. She currently still does freelance graphic design work for a multitude of clients.

Kristin Holzer
Claims Assistant

Contact & Coverage Area

Mailing Address:

P.O. Box 11200, Oakland, California 94611 

Phone:

(510) 420-1053
(x115 for new assignment)

After Hours #
(510) 773-2041

Facsimile #
(510) 420-1176

E-mail:

mail@reliantclaims.com

Address

P.O. Box 11200, Oakland, California 94611 

Contacts

Email: mail@reliantclaims.com
Phone:  (510) 420-1053
After Hours: (510) 773-2041
Fax: (510) 420-1176

CA DOI license no. 2D53161