EXPERIENCE & REPUTATION

Francisco Lugo

Founder and Principal Investigator, Francisco Lugo & Associates (FLA)

With more than 30 years of investigative experience, Mr. Lugo has successfully directed investigations for law firms, multinational insurance carriers, government entities, and private clients throughout the United States, Puerto Rico, Latin America, and the Caribbean. Under his leadership, the firm operates strictly under three guiding core values: Integrity, Experience, and Results.

Core Professional Expertise

Insurance Claims Investigations:

Special Investigation Unit Death Investigations Fraud Investigations Background Investigations Witness Interviews

Recorded Statements Surveillance Asset & Locate Investigations Civil Litigation Support Criminal Defense

Industry Experience:

Property & Casualty General Liability Workers Compensation Disability Claims Healthcare Investigations

Product Liability Auto Liability Subrogation Intellectual Property Missing Persons

Our Trusted Partners

FLA has served as a trusted investigative partner for leading corporate, insurance, and risk management organizations, including:

Sedgwick Liberty Mutual Gallagher Bassett MetLife

Allstate Helmsman UPS CoventBridge

Senior Criminal Defense Investigation:

  • Serving four prominent Public Defender offices, including a key assignment working directly for the Chief Attorney of the Major Case Felony Division.

Federal Defense Contracting:

  • Offering seven years of dedicated experience as an independent Criminal Justice Act (CJA) contractor in Washington, D.C., with intimate knowledge of unique administrative funding processes and ex parte requirements.

State of Texas:

Texas Commission on Human Rights

  • As a Civil Rights Investigator, investigated formal complaints alleging unlawful discrimination under state statutes (such as Texas Labor Code Chapter 21 and the Texas Fair Housing Act) and federal laws (Titles VI and VII, ADA, FHA). Analyze collected documentary, statistical, and testimonial evidence against established precedent and state/federal statutory standards.

Austin Police Oversight (APO) / Office of Police Oversight (OPO)

  • Investigating Misconduct Claims: They review external complaints filed by the public (including anonymous submissions) as well as internal complaints against APD officers.

  • Joint Oversight of APD Internal Affairs: Investigators independently assess APD IA records, participate in witness and officer interviews, and monitor internal proceedings to ensure investigations are thorough and unbiased.

  • Deadly Force & Critical Incident Review: They conduct in-depth reviews of officer-involved shootings and severe use-of-force cases to ensure compliance with city policies and legal standards.

Corporate Risk Advisory:

  • Developing critical safety and operational protocols, such as Active Shooter Plans and Emergency Action Plans (EAP).