License no. 2D53161


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.

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“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


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. 


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


Our experienced staff is attentive professional and personable.


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


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





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.

Take a look at what we handle.


All risks including:
  • Fire
  • Vandalism
  • Builder's Risk
  • Construction Defect
  • Earthquake
  • Content and Fine Art
  • Damage or Theft
All types of properties including:
  • Medical and Hazardous Materials Facilities
  • Tenant Occupied and Illegal Occupancy Properties
  • Common-interest Developments
  • Mobile Homes 
  • Agricultural Properties

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


All Liability Situations Including:
  • Comprehnsive General Liability
  • Employment Practicies
  • Directors & Officers Liability
  • Claims Settlement Negotiations
  • Arbitration
  • Settlement Conference and Mediation Attendance
  • Litigation Review
  • Support and Management
  • Pre-trial Investigations


Areas Covered:
  • Individual Insured Loss Adjustment
  • Monitoring and Negotiation up to any Retention Amount
  • Pre-loss Risk Assessment and Management


Areas Covered:
  • Expert Witness Review & Testimony
  • Risk Assessement and Rebuild Evaluations
  • Litigation Review & Consulting


Areas Covered:
  • Appointment as Appraiser
  • Policy Appraisal Process


Areas Covered:
  • Motor Truck Cargo
  • Marine Cargo & Jewelers Block


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 D. Ratto, President

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.

Catherine "Kay" Naumann, Claims Manager

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.

Claire Shepherd, Claims Adjuster

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.

Fabiola Martinez, Claims Assistant

Fabiola has been with Reliant Claims Service for four years where she has learned best claims practices as she trained to be a claims assistant. She brought with her a background of working with underserved citizens in our community and we are proud to encourage her accomplishments as she is about to obtain her B.A. in Social Services from San Francisco State University. Fabiola's calm patience and positive attitude are much appreciated by our clients and their insureds.


Your assignment will be promptly acknowledged by our staff via telephone or e-mail and a written acknowledgement will be provided for your records.
Main #
(510) 420-1053
(x115 for new assignment)
After Hours #
(510) 773-2041
Facsimile #
(510) 420-1176

Mailing Address

P.O. Box 11200, Oakland, California 94611
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