Recent Publications:
Water Damage: What Does the Seepage and Leakage Exclusion Actually Exclude?
Fraud and Rescission in the Context of the Essential Insurance Act
Doug McCray has practiced insurance litigation for over 24 years, mostly helping people get their property insurance claims paid. He has turned hundreds of denials and ignored claims into millions of dollars for his clients. 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 property owners, never the insurance company. . . . 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 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 began working for McCray Law Office in 2013. In 2015, she took time off to complete law school, then returned after passing the May 2018 Bar exam. At McCray Law Office, she represents clients in pre-litigation and litigation against their insurance companies and agents. 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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Charlotte began working for McCray Law Office in 2013. In 2015 she began law school, then returned after passing the May 2018 Bar exam. At McCray Law Office, she represents clients in pre-litigation and litigation against their insurance companies and agents. She also volunteers with Attorneys for Animals, where she has written on how pet ownership effects eligibility under Michigan's Essential Insurance Act.