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Advocacy. Integrity. Diligence.

We are insurance claim experts licensed through the Department of Insurance. We handle the bureaucracy of the insurance world.

We are well versed within the claims process and know all the tricks Insurance Companies use to underpay their policy holders.

Committed to our clients

We are experts licensed through the Department of Insurance dedicated to getting you the money you deserve after your property loss.
We're Property Claims Consultant. We believe every property owner deserves a fair settlement on their insurance claims.

Insurance Companies care about their bottom line. We care about yours. At Property Claims Consultant we use our extensive knowledge, experience and partnerships to leverage that payout you ultimately deserve.

David Melzer, President and CEO of Property Claims Consultant worked in the insurance industry for over 10 years. Through his tenure he witnessed the mishandeling of claims, the attention to the bottom line and most importantly the lack of clarity and accessibility of information for property owners. This is when he knew the value he could provide to the insured. The concept of PCC came to him by asking the simple question " Why can't the everyday homeowner get access to my knowledge?" Well now it can. PCC is on a mission to not only help but also educate property owners on the best way to tackle the bureaucracy of the insurance world.


What should I do if I have a loss?

At PCC we believe every property owner deserves us on their side. Give us a call today for a free consultation or just to learn more on what we are all about.
Get us involved. We will help ensure you get a higher settlement on your claim.

Meet Our Talent

CEO, Founder

David Melzer

After receiving his bachelors degree in business management David set out on his first role in the insurance world. He started working for a large insurance carrier in 2011. He has since worked for multiple insurance carriers and held multiple positions for large insurance companies. He set out on his own starting Property Claims Consultant in 2020 in the midst of the pandemic. His goal has always been to help any and all policy holders on their insurance claims. There will never be a claim too big or too small for David and his team to help on.

After receiving his bachelors degree in business management David set out on his first role in the insurance world. He started working for a large insurance carrier in 2011. He has since worked for multiple insurance carriers and held multiple positions for large insurance companies. He set out on his own starting Property Claims Consultant in 2020 in the midst of the pandemic. His goal has always been to help any and all policy holders on their insurance claims. There will never be a claim too big or too small for David and his team to help on. With his vast experience working for the insurance companies he can always provide a benefit to policy holders on their claims.

Outside of growing his business David is very active. He enjoys hiking, mountain biking, working out, and playing beach volleyball. He and his wife have a golden retriever and live in North County San Diego.

Claims Administrator

Micaela Ponsbach

Micaela moved from Sweden to study hospitality management at Santa Barbara City College. She graduated in 2015 with an AA in hospitality and worked in various customer service jobs before she decided to join the PCC family. Micaela is thrilled to be a part of the PCC team and work with our clients.x

Micaela moved from Sweden to study hospitality management at Santa Barbara City College. She graduated in 2015 with an AA in hospitality and worked in various customer service jobs before she decided to join the PCC family. Micaela is thrilled to be a part of the PCC team and work with our clients. She is committed to taking extra steps and providing the best possible support for the team and our clients. Outside of work, Micaela likes to spend time on the beach, travel, and try new restaurants all in the company of her husband and their dog.
Office Manager

Victoria Melzer

Victoria holds a B.S. in Dental Hygiene from Loyola University, and is an expert in dental sleep medicine. She has spent her career collaborating with interprofessional health experts to provide holistic patient-focused care.

Victoria holds a B.S. in Dental Hygiene from Loyola University, and is an expert in dental sleep medicine. She has spent her career collaborating with interprofessional health experts to provide holistic patient-focused care. She brings this same level of client-focused energy and communication skills to the PCC team to make sure we meet clients’ needs during times of great stress.
Senior Public Adjuster

Beau Ecksten

Beau was first introduced to the insurance industry in college at the University of Colorado Denver where he majored in Risk Management & Insurance. Upon graduation, Beau worked as a staff adjuster for a major insurance carrier before becoming a public adjuster. As a public adjuster, Beau is driven by his passion for helping others. His strong work ethic and effective communication skills allow him to convey clients’ needs and make the claim process easy for everyone.

Beau was first introduced to the insurance industry in college at the University of Colorado Denver where he majored in Risk Management & Insurance. Upon graduation, Beau worked as a staff adjuster for a major insurance carrier before becoming a public adjuster. As a public adjuster, Beau is driven by his passion for helping others. His strong work ethic and effective communication skills allow him to convey clients’ needs and make the claim process easy for everyone.

In addition to earning his BSBA in Risk Management & Insurance, Beau has earned his Associate in Claims (AIC). An AIC designation signifies specialized education and training in the handling of various types of insurance claims. He has experience adjusting losses including water, fire, smoke, mold, wind/hail, and more.

Outside of work Beau enjoys spending time with his fiancé Alex and their dog Bentley. He is also an avid skydiver.

License #4170458

Senior Public Adjuster

Loren Pearlman

Loren is a US Coast Guard Military Veteran and SDSU graduate with a B.S. in Psychology. in 2019, Loren discovered public adjusting after he had a terrible experience with an insurance claim of his own. Loren is now a licensed public adjuster and has successfully represented over 80 homeowner and commercial property claims.

Loren is a US Coast Guard Military Veteran and SDSU graduate with a B.S. in Psychology. in 2019, Loren discovered public adjusting after he had a terrible experience with an insurance claim of his own. Loren is now a licensed public adjuster and has successfully represented over 80 homeowner and commercial property claims. He is a North County resident, where he lives with his wife and two sons. Loren spends his free time spearfishing and coaching little league baseball. Loren's military work ethic, attention to detail, and experience in writing government policy uniquely positions him as an ideal candidate to represent your claim.
Controller

Jim Melzer

Jim has an S.M. in Physical Chemistry from MIT and has held research director positions for major aerospace corporations, managing small and large projects that focused on developing human-centric technologies for people in high stress occupations.

Jim has an S.M. in Physical Chemistry from MIT and has held research director positions for major aerospace corporations, managing small and large projects that focused on developing human-centric technologies for people in high stress occupations. He brings this same client-focus and attention to detail to the PCC team to ensure we always get the best outcome for our clients.
Claims Consultant

Brittany Apana

Brittany has been working in Project Management and Administration in the construction industry for over 15 years. After receiving a B.S. in Landscape Architecture from Arizona State University, she spent her career collaborating with executives, architects, homeowners and subcontractors on a variety of projects ranging from large-scale commercial landscape installs to custom-built luxury homes. She is thrilled to bring her experience in diverse project administration to the PCC team!

Brittany has been working in Project Management and Administration in the construction industry for over 15 years. After receiving a B.S. in Landscape Architecture from Arizona State University, she spent her career collaborating with executives, architects, homeowners and subcontractors on a variety of projects ranging from large-scale commercial landscape installs to custom-built luxury homes. She is thrilled to bring her experience in diverse project administration to the PCC team!
Senior Loss Consultant

KC Cullum

KC Cullum joins PCC with nearly 2 decades of public adjusting experience, overseeing major residential and commercial claims across the west coast. He is passionate about helping families and businesses to get back on their feet after a catastrophic loss. Often times KC serves as the first point of contact with clients, acting as an intermediary with the insurance company and their contractors.

KC Cullum joins PCC with nearly 2 decades of public adjusting experience, overseeing major residential and commercial claims across the west coast. He is passionate about helping families and businesses to get back on their feet after a catastrophic loss. Often times KC serves as the first point of contact with clients, acting as an intermediary with the insurance company and their contractors.
KC genuinely cares about people. He enjoys taking the burden off his clients and in the process connecting on a personal level. KC's experience allows him to analyze the policy provisions and property damages to quickly provide insight on what's ahead and how to assemble the best team and strategy appropriate for each claim. KC resides in N County SD with his wife and three children who all love and enjoy the outdoors and the many activities sunny So Cal has to offer!
Ken Ezra
Senior Loss Consultant

Ken Ezra

Working in the insurance industry for over 30 years. Graduate of the Aetna Institute in Hartford, Connecticut, studied insurance contracts and retail agency management.

Working in the insurance industry for over 30 years. Graduate of the Aetna Institute in Hartford, Connecticut, studied insurance contracts and retail agency management. Worked on thousands of claims including settlements, loss mitigation, and in the subrogation department. Negotiated settlements between attorneys on both sides for bodily injury claims. Former field investigation in the personal injury fraud department. Former owner of Frontline Insurance Company and Frontline Premium Finance Company in retail insurance sales, earned direct agency contracts with Aetna, SafeCo and Progressive. Happy to work with a great experienced team at Property Claims Consultant, Inc.

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