The short answer
A charge from **FAHWC** or **FIRST AMERICAN HOME** is for a home warranty plan or a service call fee through First American Home Warranty. This could be a monthly premium or a copay for a contractor visit.
Why is First American Home Warranty charging my card?
First American Home Warranty (often appearing as FAHWC on credit card and bank statements) charges customers for two primary reasons: recurring plan premiums and individual service call fees. If you signed up for a home warranty to cover your appliances, electrical, or plumbing systems, the company will automatically bill your payment method for the monthly or annual cost of the policy. These agreements typically renew automatically unless canceled in advance.
The second common reason for a charge is a service fee, which acts like an insurance copay. When you submit a claim or request a repair technician to visit your home, you must pay this set fee upfront (usually between $85 and $125). Even if the claim is eventually denied, the service fee is typically non-refundable because it covers the contractor's initial assessment visit. Keeping close track of your monthly statements ensures complete financial security and prevents unexpected surprises from recurring charges.
How to handle unauthorized FAHWC charges
If you don't own a home or never signed up for a First American Home Warranty policy, a charge from FAHWC might indicate a billing error or fraud. First, check with your spouse or other family members to ensure they didn't independently purchase coverage or request a repair for a property you own. Sometimes, a plan is bundled into a recent real estate transaction and automatically rolls into a paid subscription after the first year.
If you're confident the charge is fraudulent, you should immediately contact First American Home Warranty at 1-800-992-3400 to report the unauthorized activity. You must also notify your credit card issuer or bank to dispute the charge, request a chargeback, and potentially get a new card issued to prevent further unauthorized recurring withdrawals.
Frequently Asked Questions
Is the FAHWC service fee refundable?
Typically, no. The service fee covers the cost of dispatching a contractor to your home to diagnose the issue. Even if First American Home Warranty denies your claim or cannot repair the item, the initial assessment fee is generally non-refundable.
Can I cancel my First American Home Warranty online?
While you can manage many aspects of your policy through their online web portal, cancellations often require speaking directly with a customer retention representative over the phone. You must call their customer service line at 1-800-992-3400 to formally terminate your contract, request a prorated refund, and halt future billing.
Independent reference — not affiliated with First American. Billing names and policies change; verify with the merchant or your bank before acting.
Verified sources
Every claim on this page is checked against official sources — open them to confirm before you call your bank.
- First American Home Warranty Contact Us https://www.firstam.com
- BBB Profile: First American Home Warranty https://www.bbb.org
Reviewed Aug 31, 2026 · high · About UnknownCharges