Disciplined in Sophisticated Defense and Insurance Litigation

L. Andrew Watson is a Partner at Butler, who joined the firm in 2000 in the Miami office, and moved to the Charlotte office in 2010. Andy’s litigation practice focuses on First-Party Coverage and Bad Faith, which includes theft, fire, windstorm, and water damage claims in North Carolina, South Carolina, Florida, and Georgia. Andy is also experienced in handling third-party coverage opinions and declaratory judgment actions, as well as third-party liability defense matters, including automobile accidents, transportation network company defense matters, wrongful death, premises liability, construction defect and employment discrimination matters. Andy is privileged to represent various syndicates in the Lloyd’s insurance market in London, numerous U.S.-based insurers and self-insured companies.

Andy received a Bachelor of Science degree in Economics from the Wharton School of Business and a Bachelor of Arts from the University of Pennsylvania’s Annenberg School of Communications, both in 1991. He received his Juris Doctor, with honors, from the University of Florida College of Law in 1994. Before joining Butler, Andy served as an in-house Trial Counsel to Nationwide Insurance Company in Atlanta, Georgia. Prior to that, he served as an Assistant City Attorney for the City of Atlanta, representing the City’s Public Works and Water Departments.

Andy is certified by the State of Florida as an instructor for insurance adjuster training courses and has co-authored numerous industry publications.



  • Florida
  • Georgia
  • North Carolina
  • South Carolina


  • University of Pennsylvania's Annenberg School of Communications
    Bachelor of Arts
  • Wharton School of Business
    Bachelor of Science degree in Economics
  • University of Florida College of Law
    Doctor of Jurisprudence


  • Association of Defense Trial Attorneys (ADTA), North Carolina State Chair
  • Claims and Litigation Management Alliance (CLM)
  • Mecklenburg County Bar Association
  • North Carolina Bar, Insurance Law Council, Member (former Publications Co-Chair)
  • Southern Loss Association (SLA)
  • Windstorm Insurance Network (WIND)


  • Florida Federal Courts (Southern District)
  • Georgia Courts (Northern and Southern Districts)
  • North Carolina Courts (Eastern and Western Districts)
  • North Carolina Courts (Middle District)
  • South Carolina District Court
  • Tennessee District Courts
  • West Virginia District Courts
February 28, 2013 PUBLICATIONNavigating The Southern Bad-Faith Buffet: Extra-Contractual Liability In The Absence Of Breach Of Contract

In the Southeast, catastrophic natural disasters have become all too common, and the physical and financial consequences are borne by the entire region. Five of the top ten costliest hurricanes to hit the United States have impacted North Carolina, and with approximately $159.6 billion in insured coastal assets, North Carolina continues to have significant loss exposure.

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Blog Posts

September 10, 2018 BLOG POSTHurricane Florence is aiming for the Carolinas

Once Hurricane Florence passes through the region, insurance professionals can expect a deluge of claims activity. While both North Carolina and South Carolina have felt the effects of recent Hurricanes Irene and Matthew, for example, many insurance professionals have limited familiarity with the particularized coverage issues which may arise in both states. Navigating the laws of both states, which can be both parallel and disparate, is going to be important in Florence’s aftermath.    

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September 12, 2017 BLOG POSTHandling Assignment of Benefit ("AOB") Claims in the Wake of Hurricanes Irma and Harvey

The classic example of an AOB claim is the following: an insured suffers property damage and hires a repair contractor to repair that damage.  The repair contractor requires the insured to execute a written document, usually entitled “Assignment of Insurance Benefits”, which says something to the effect of “for and in consideration of the contractor’s agreement to protect the property from further damage and/or make repairs, the insured assigns his/her/its insurance benefits to the contractor.”  The contractor thereafter makes a claim directly to the insurer using the AOB.

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August 19, 2014 BLOG POSTThrough The Eyes of a Child: What DOES a Lawyer Do?

My 7 year old daughter recently asked me, “What does a lawyer actually do?” She has been to my office many times during off-hours and gleans endless entertainment from the rotating office chairs, highlighters and binder clips. But this was her first expression of interest in the work actually going on in the office. I took time to reflect on the best way to explain it.

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June 22, 2017 COMMUNITYCTRL Your Future

For the second year in a row, Butler Weihmuller Katz Craig has spread some end of the school year cheer to seniors in eight different locations. Butler’s annual CTRL Your Future essay contest was created by the Firm’s Community Service Committee to recognize deserving high school seniors who have exhibited commitment to their academics. The winners in each city received a brand-new laptop with a full Microsoft Office Suite installed to assist them in their studies in the fall at their four-year college.

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October 28, 2015 EVENTPLRB Large Loss Conference

Arson Investigation Practice Pointers

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January 27, 2014 EVENT2014 WIND Conference

The Rules of the Road for Effectively Mediating Your Insurance Dispute

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January 29, 2013 EVENTWindstorm Insurance Network Annual Conference

The F Word - Topical Fraud Issues in the Southeast

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