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Man Watching Building or House Fire

You've been through enough.

Let us handle the insurance company.

You've been through enough.

Let us handle the insurance company.

man watching house or building fire


McCray Law is devoted to a single purpose: representing Michigan policyholders against insurance companies and agents. Its attorneys have over thirty years of legal experience, most of it representing people whose homes and buildings who have suffered losses due to fire, water, extreme weather, and other disasters. During their careers, they have helped turn hundreds of claim denials into millions of dollars for their clients. McCray Law represents policyholders, never insurance companies. 

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Insurance Lawyer Doug McCray


Doug McCray has practiced insurance litigation for over 24 years. Several of his victories have resulted in important opinions by Michigan courts, including:


  • ​McNeel v. Farm Bureau (Jury agreed that coverage exists despite Farm Bureau's "vacancy" defense); 

  • Johnson v. State Farm (Michigan Court of Appeals rejected State Farm's "statute of limitations" defense); and 

  • 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. 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 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. She also externed and was hired as a Temporary Deputy Probate Register/Mail Clerk at the Ingham County Probate Court.

Charlotte works with clients during all stages of the claim process. She also volunteers with Attorneys for Animals, where she has written on how pet ownership effects eligibility under Michigan's Essential Insurance Act.  

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Free Consultations


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 or by sending us a message here.

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