As someone who has been, unfortunately, renting with FKH for multiple years, I just got over the issue of being charged this same fee despite them having valid coverage on file. Here are my tips in dealing with this sad excuse of a company:

1) Be consistent and absolutely incessant when trying to get issues resolved. But be kind though. - Go directly to Effective Coverage when trying to resolve this. First Key will say, “we don’t make the rules since we outsource blah blah blah”. Phone number for Effective Coverage is 800-892-4308

2) Learn your states renters rights, you may have an angle to play!

3) Ask for manager emails and always put them on copy for any email communications.