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L. Andrew Watson

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(704) 543-2321


11605 N. Community House Road
Suite 150
Charlotte, North Carolina


Practice Areas

  • Arson & Fraud
  • Casualty Defense Litigation
  • Coverage Defense
  • Employment Law Group
  • Extra-Contractual


  • University of Pennsylvania's Annenberg School of Communications
  • Wharton School of Business
  • University of Florida College of Law
L. Andrew Watson is a Partner at Butler Pappas.

Andy presently works in the Charlotte, North Carolina office, having relocated from the Miami office in 2010. Andy joined the firm in 2000. He received his Juris Doctor, with honors, from the University of Florida College of Law in 1994. He received a Bachelor of Science in Economics from from the Wharton School of Business in 1991, and a Bachelor of Arts from the University of Pennsylvania's Annenberg School of Communications, also in 1991.

Andy is a member of the Bar in the states of Florida, North Carolina, South Carolina and Georgia. He has received an AV rating from his peers on Martindale-Hubbell, indicating the highest ethical standards and professional ability. Additionally, he has been admitted to the Eleventh Circuit of the United States Court of Appeals, the United States District Courts for the Southern and Middle Districts of Florida, the Northern District of Georgia, the Eastern, Middle & Western Districts of North Carolina, the District of South Carolina, the Eastern District of Tennessee, and the Georgia Court of Appeal.   He has also been admitted pro hac vice in courts in Louisiana and Virginia. 

Andy's litigation practice focuses upon first party coverage and bad faith in the Southeast, including windstorm, fire, theft, and water damage claims in Florida, North Carolina, South Carolina and Georgia.  He has also had substantial experience handling third party coverage opinions and declaratory judgment actions, third party liability defense (including construction defect, premises liability, trucking and employment discrimination matters under title VII), and subrogation matters for insurers and their policyholders.

Case Types

  • Arson
  • Bad Faith
  • BI (Business Interruption)
  • Casualty Defense Litigation
  • Civil Remedy Notices
  • Commercial Litigation
  • Coverage - Business Interruption
  • Coverage - First Party Property
  • Coverage - Homeowner's
  • Coverage - Personal Injury
  • Coverage - Property
  • Employment Law
  • Extracontractual Claims
  • Fire (Suspected or Potential Fraud)
  • Fraud
  • General Casualty Litigation
  • General Liability - Coverage
  • Insurance Coverage
  • Insurance Fraud
  • Municipal Liability
  • Premises Liability
  • Property Insurance
  • Standard Liability
  • Theft
  • Third Party Coverage Issues
  • Title VII

Extended Biography

Prior to joining Butler Pappas, Andy served as in-house trial counsel to Nationwide Insurance Company and their affiliated companies in Atlanta, Georgia, handling third party liability defense matters, and before that, served as an Assistant City Attorney for the City of Atlanta, Georgia representing the City's Public Works and Water Departments.

Andy is currently the North Carolina State Chair for the Association of Defense and Trial Attorneys (ADTA). He is also a member of the North Carolina Bar Association (NCBA), and the Windstorm Insurance Network (WIND). Andy is currently the Co-chair of Publications for the North Carolina Insurance Law Council. Most recently, Andy spoke at a workshop entitled "Mediation – Rules of the Road" at WIND 2014." He was privileged to attend the International Association of Defense Counsel (IADC) Trial Academy in 2006 at Stanford Law School in Palo Alto, California.

Andy is also certified as an instructor for insurance adjuster training courses by the State of Florida. Along with T. Nicholas Goanos, Andy co-authored "Navigating the Southern Bad Faith Buffet" for Mealey's Litigation Report:  Insurance Bad Faith (Vol. 26, #20, February 28, 2013).  Along with John J. Pappas, Andy co-authored "Federal Florida," for Mealey's Litigation Report: Insurance Bad Faith, (Vol. 20, #6, July 18, 2006).   In 2013, Andy was an instructor at WIND's Annual Meeting, in a workshop entitled "The F Word: Topical Fraud Issues in the Southeast".   He has also spoken on Ethics at the Florida Bar's "Practicing with Professionalism" seminar for newly admitted attorneys.