Grease Buildup Could Cost You More Than a Fine—Your Insurance Might Not Cover You

Neglecting Your Kitchen Hood? Your Insurance Might Not Cover You

In the hustle of running a restaurant, it’s easy to overlook the less-visible parts of your kitchen—like your exhaust hood. But here’s the thing: that greasy, overworked vent isn’t just a fire hazard. It could also be the reason your insurance refuses to pay out if something goes wrong.

Let’s break it down

• Fire Risk from a Dirty Hood

Your kitchen’s hood is designed to pull grease, smoke, fumes, and heat out of the air. But over time, it gets caked with grease—a highly flammable fuel source just waiting for a spark. Regular cleanings drastically reduce fire risk and help keep your staff and customers safe.

• What Insurance Companies Look At

Insurers aren’t just handing out coverage without asking questions. A greasy, neglected hood is a red flag. Some policies actually require proof of regular cleaning and NFPA-96 compliance. Without that? Your claim could be denied.

👉 Dirty hood = potential liability
👉 No maintenance records = denied coverage
👉 Fire damage = full cost on you

• Why This Matters Financially

According to Global Market Insights, the kitchen hood industry is projected to hit $25 billion by 2028. That kind of investment shows just how important these systems are—and why insurers take them seriously.

Plus, clean hoods improve airflow, reduce equipment wear, and make inspections easier.

Protect Your Business

• Schedule routine hood cleaning (and document it)

• Work with certified professionals who understand fire code compliance

• Don’t assume you’re covered—check your policy terms

• Clean hood = safer kitchen = stronger insurance protection

If you haven’t had your hood cleaned in a while—or don’t have documentation—now’s the time to get it done. Don’t wait for a fire or an inspection to find out you’re not protected.