About Us
Advocacy. Integrity. Diligence.
Our Commitment to Our Clients
Stress-Free Process
We are insurance claim experts licensed through the Department of Insurance. We handle the bureaucracy of the insurance world.
Expert Guidance
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.
Claim Navigation
We are well versed in the claims process and know all the tricks insurance companies use to underpay their policyholders.
Maximum Payout
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 the payout you ultimately deserve.
Free Consultations
Family Owned & Operated
24/7 Availability
Certified Professionals
Why We Help
David Melzer, President and CEO of Property Claims Consultant, worked in the insurance industry for over 10 years. Through his tenure, he witnessed the mishandling 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 recognized 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 ways 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 by their side. Give us a call today for a free consultation or to learn more about what we are all about. We will help ensure you get a higher settlement on your claim.
Meet Our Team
Get to know our experts.
David Melzer
David Melzer
After receiving his bachelor’s 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 the midst of the 2020 pandemic. His goal has always been to help any and all policyholders with their insurance claims. There will never be a claim too big or too small for David and his team to help with. With his vast experience working for insurance companies, he can always provide a benefit to policyholders on their claims.
Licenses:
- California: 4050878
- Nevada: 3828996
- Washington 1196301
- Idaho: 19676077
- Colorado: 799003
- Kentucky: 1279163
- Hawaii: 19676077
- Utah: 1031227
- Texas: 3276253
- Montana: 3002546785
- New Mexico: 19676077
- Arizona: 19676077
Brittany Apana
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 installations to custom-built luxury homes. She is thrilled to bring her experience in diverse project administration to the PCC team!
Micaela Ponsbach
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. 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.
KC Cullum
kc cullum
KC Cullum joins PCC with nearly two decades of public adjustment experience, overseeing major residential and commercial claims across the west coast. He is passionate about helping families and businesses 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 North County, SD, with his wife and three children, who all love and enjoy the outdoors and the many activities sunny SoCal has to offer!
Ken Ezra
ken ezra
Ken has worked in the insurance industry for over 30 years. He is a graduate of the Aetna Institute in Hartford, Connecticut, and studied insurance contracts and retail agency management. He 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. The former owner of Frontline Insurance Company and Frontline Premium Finance Company in retail insurance sales earned direct agency contracts with Aetna, SafeCo, and Progressive. I am happy to work with a great, experienced team at Property Claims Consultant, Inc.
Cooper Ogle
Cooper ogle
Cooper Ogle was first introduced to the insurance industry while attending Texas Tech University in Lubbock, Texas. While pursuing his Bachelor of Arts in University Studies, Cooper worked as an Independent Adjuster for years, gaining hands-on experience in claims management while balancing his academic studies. This early exposure to the insurance world sparked his interest in the intricacies of claims handling and loss assessment.
Victoria Melzer
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. 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.
Jim Melzer
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. 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.
Adriana Prieto
Adriana Prieto
Chelsea Wilhite
Chelsea Wilhite
Chelsea is a third-generation San Diego native who brings extensive experience and a deep understanding of both construction and insurance to our team. After graduating from San Diego State University, she began her career with a prominent new home builder in San Diego, where she developed a strong foundation in building practices and construction estimating. She later transitioned into the insurance industry, accumulating over 15 years of experience in claims management and oversight with some of the nation’s largest homeowners insurance carriers.
Chelsea’s broad expertise spans insurance, construction, and property management, allowing her to provide comprehensive insight and practical solutions to our clients. Her dedication to excellence and her thorough industry knowledge make her a valued member of our organization.
Outside of her professional pursuits, Chelsea is passionate about the outdoors. She is a licensed NAUI Scuba Diving Instructor and has had the privilege of teaching diving to Navy and Marine personnel in Southern California. In her free time, she enjoys boating, kayaking, paddleboarding, swimming, and diving — taking full advantage of every opportunity to be on or in the water.
Enough Talk, Let's Build Something Together
We fight for you and you only.
