According to the Remainder Theorem, the remainder when f(x) is divided by x-c is f(c).
So, for the given function, the remainder when f(x) is divided by x+13 (or x-(-13)) is f(-13).
f(-13) = (-13)4 +12(-13)3 - 9(-13)2 + 48(-13) - 52 = 0
Since the remainder is 0, x+13 is a factor of f(x).