Insurance Investigations
My family started working in the insurance industry in 1971.
Three years later I started my twenty-three year career in
law enforcement. I worked as a New York State University Police
Officer at Stony Brook,a California Correctional Officer at
San Quentin, the San Francisco Police Department as a plain
clothes investigator, a uniformed patrol officer and a LWLP
Sergeant. I worked Under Cover Narcotics as a "Special
Agent" for a (Mid West Narcotic Task Force called a MEG
Unit), as a Sworn Deputy Sheriff in ten counties covering
ten thousand square miles, and as a Chief of Police in South
Dakota. I have since retired from law enforcement, while my
two sisters became corporate regional Managers for two of
the nation's largest insurance carriers. In 2008 one sister
retired, and now helps FCI with our insurance investigations.
I have always said "surveillance is an art, you are either
born with it or not". I conducted my first "surveillance"
in 1974 as a bonded New York City Police Officer (NYPD). I
was assigned to a "Robbery Suppression Team" and
my first assignment was to conduct an armed two-man surveillance
looking for two armed gunmen conducting daytime armed robberies
at Macy's on 34th St. in New York City. The robbers were holding
up Macy's Christmas shoppers at gun point.
Since 1974, I have graduated four major law enforcement academies,
and countless training events by local, State and Federal
Law Enforcement Agencies. I was told by the San Francisco
District Attorney's Office that I was the highest federally
trained police officer in S.F.P.D, from 1980 through 1995,
with over 2000 hours of documented formal police training,
most of it from the United States Drug Enforcement Administration,
U. S. Department of Justice, and the Federal Bureau of Investigation.
- AOE/COE:
means "arising out of employment, or during the
"course of employment" and requires investigators
to gather all of the factual information and statements
as they relate to an actual incident. GET THE FACTS,
before they change!
-
SUB
ROSA: Is Latin for "under the rose" where
meetings were held in secrecy under a rose Centuries ago.
The term is now used by insurance firms referring to the
secrecy of surveillance of alleged injured workers, some
of which are just plain fraudulent and some people are
exaggerating their injuries. We video these claimants
and furnish the film to our Clients. I have spent over
38 years doing surveillance for many clients and reasons.
Many people do not realize, surveillance is a gift, you
are either born with it or not. I am the best at "surveillance"
and have spent most of my law enforcement career totally
under cover with a different name living as someone else.
With Insurance carriers, "Sub-Rosa" is their
term to film/video a claimant regarding his daily ability
to function or work. As mentioned above, Sub-Rosa is Latin
for under the rose used centuries ago. Certain people
would meet under this "rose" which in fact meant
they were swearing their entire family to an oath of secrecy
based on a penalty of death. Our percentage rate for getting
much needed video evidence on exaggerated and fraudulent
claims is extremely high. So if you have a case where
you stand to lose thousands or millions of dollars and
you know the claim is fraudulent or exaggerated, you need
to call us. Remember, proper Surveillance is an art. The
last thing you need is someone to attempt surveillance
and get "BURNED". Meaning they were seen by
the subject. FCI does not even take the chance. We use
at least two investigators who utilize our own radio network
for split second communication, which is a must if you
are going to be successful.

This
person claimed to be 100% disabled and unable to work. BUT,
He was well enough to lift/carry a sixty pound battery and
go fishing on his boat.
- Auto Liability
- Incident Scene
Photos
- Subrogation
- Written &
Recorded Statements
- Backgrounds,
Records, & Locates
- S.I.U Services
- Record searches,
including, but not limited to: National Criminal and Civil
documents, WCAB EDEX, employment history, Multi-State Wide
DMV, academic credentials and professional licenses.
Since
1991, we have successfully investigated THOUSANDS
of industrial and non-industrial Insurance cases. We furnish
our clients with clear/concise reports, and professional quality
DVD and VHS video evidence. Our clients are updated on a regular
basis and their completed reports are sent via the Internet,
hand delivered, and/or sent U.S. Mail. The
client gets what he requires.
Our
reports contain still color photographs, inserted in the actual
report. These pictures are gleaned from the actual video surveillance
film, depicting the claimant's identification and any highlights
that might be of interest to the case. This allows the adjuster/client
to visually follow along, while reviewing the report and film.
Identification photos are also included. (See above)
A
typical case starts with our own preliminary investigation.
We obtain prior W/C records if needed, and we go over the
documents given to us by the client to determine what, if
anything, we need to add. Our field work consists of an activity
check to determine the proper method of surveillance. Once
this preliminary activity check is completed, we proceed with
the actual investigation. We adhere to state law and have
strict guidelines regarding personal privacy. We adhere to
the NAIC's Model Act regarding personal privacy and
surveillance investigations. By utilizing both methods of
investigation and surveillance, we are able to provide a superior
work product that is concise and accurate. Our surveillance
film allows the Client to determine the extent of the injury,
and whether there appears to be any fraud or exaggeration.
If the claim is accepted, a major benefit of our surveillance
film is that it usually shows the extent of the exaggeration,
therefore, keeping the claim to a minimum.
We
utilize state-of-the-art surveillance systems for acquiring
both indoor and outdoor film, and our success rate is over
98 percent. We also utilize a satellite communications network
that enables investigators to be in constant contact with
adjusters via radiophone and/or the Internet. We service the
investigative needs of TPAs, self-administered carriers, large
and small employer's Human Resources and law firms.
I
am a graduate and valedictorian of the United States Drug
Enforcement Administration's Academy in Washington, DC,
and have been conducting in-depth undercover investigations
for over 38 years. Our video/film success rate, (98
percent) is the direct result of surveillance skills
learned while working with the FBI and DEA. I have passed
on everything I know to my son, Steven, who has been working
these cases with me for many years.
MISSION
STATEMENT
We stand by our family values and guarantee client satisfaction.
If, for any reason our client is not satisfied, the case will
be reworked at no charge. We also offer
"next day film and report" hand delivered, for those
last minute must have situations. Thirty eight years
conducting investigations and surveillance means only one
thing, " we get it right", I guarantee it.
Douglas
D. Hansen,QM
SFBAYPI@PACBELL.NET
Fog
City Investigations is a full service, Private Investigation
firm in California, with its Headquarters located in the San
Francisco Bay Area. We also have offices located throughout
California, Oregon, Florida, and New York. Our firm is comprised
of highly trained and experienced, current and former law
enforcement officials, each having at least 20 years of investigative
service. Fog City Investigations conducts both general, and
specialized in-depth investigations. Some of our services
include, but are not limited to: video moving surveillance,
video security surveillance equipment, home video security
software and surveillance systems, software programs, church
video surveillance systems, and counter surveillance equipment
and systems. We specialize in succeeding where others can
not. Half of our surveillance work is done for the insurance
industry because of our high Success rate with Sub Rosa Investigations.
Our Insurance investigators for Sub-Rosa, Subrogation cases,
and AOE/COE Investigations are the best in the industry. These
cases are done by insurance AOE/COE claims specialists. We
stand by our Families' reputation for honesty, experience,
and hard work, while offering a wide range of services for
all of our clients' needs.
All
cases that may require the California DMV, Federal Credit
Reporting Act, and/or The Gramm- Leach- Bailey Act are regulated
by Law, and Government Regulations. We comply with these regulations
without exception
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