About
McCray Law Office is devoted to a single purpose: representing people and businesses against insurance companies and agents. Its attorney's have over thirty-eight years of legal experience, most of it representing home and business owners who have suffered losses due to fire, water, extreme weather, and other disasters. Over their careers, they have helped turn hundreds of claim denials into millions of dollars for their clients. McCray Law Office never represents insurance companies, only policy holders.​​
Recent Publications​:
Actual Cash Value is not Market Value, no matter how it is spun
Water Damage: What Does the Seepage and Leakage Exclusion Actually Exclude?
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​Fraud and Rescission in the Context of the Essential Insurance Act
Attorneys
Doug McCray has practiced insurance litigation for over 25 years and is Chair of the State Bar of Michigan Insurance and Indemnity Section. Several of his victories have resulted in important opinions by Michigan courts, including:
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​McNeel v. Farm Bureau (Jury agreed that coverage exists despite Farm Bureau's "vacancy" defense);
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Johnson v. State Farm (Michigan Court of Appeals rejected State Farm's "statute of limitations" defense); and
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Smith v. State Farm (Federal court ruled that policyholder has a right to have the amount of his or her loss decided by a neutral appraisal panel, rather than by the insurance company).
Since 2012, he has run McCray Law Office. Unlike many firms, McCray Law Office exclusively represents policy holders, never insurance companies. He has published extensively on topics in property insurance and serves as vice president of the State Bar of Michigan Insurance and Indemnity Section. In addition to his legal experience, his masters and previous career in biology/biochemistry gives him a rare advantage in understanding losses and deposing experts, especially in cases involving fire, or water damage.​​ . . . Full Profile
Charlotte McCray works with clients on all stages of their real property and life insurance claims. She currently serves as Chair of Scholarship Committee of the State Bar of Michigan Insurance and Indemnity Section.
Charlotte graduated summa cum laude from Michigan State University College of Law, which she attended on a full scholarship. While there, she served as Animal Notes Editor of the Journal of Animal and Natural Resource Law, an Associate Editor of the Journal of Business and Security Law, Treasurer of the MSU Law Chapter of the Student Animal Legal Defense Fund and as a teaching assistant in Property and worked as an extern and a Temporary Deputy Probate Register/Mail Clerk at the Ingham County Probate Court. She has also written on how pet ownership effects eligibility under Michigan's Essential Insurance Act while volunteering with Attorneys for Animalis and practiced in Detroit zoning law. ​​
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Free Consultations
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Call anytime for a free consultation with one of our attorneys.​
Our office hours are 8-5:30 Mon-Fri, and nights and weekends by appointment. We're often working later, and strive to return messages promptly, so feel free to call whenever suits your schedule. You can also reach us at doug@mccraylawoffice.com or by sending us a message here.