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What Happens to Your Insurance Claim Without Cleaning Records?

Why kitchen extract documentation is the difference between a paid claim and a refused one.

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What Happens to Your Insurance Claim Without Cleaning Records?

It's the scenario no Cardiff caterer wants: a grease fire in the kitchen, and then the insurer asking a question you can't answer well — "show us your extract cleaning records."

How a fire claim is assessed

After a kitchen fire, the insurer sends a loss adjuster. One of the first things they review is the maintenance history of the extract system, because grease ignition is such a common cause. They're checking whether you met the policy's maintenance condition — which, for kitchens, means cleaning to a recognised standard like TR19 at the right frequency.

The risk of missing records

If you can't show documented, in-date cleaning, the adjuster has grounds to argue the maintenance condition wasn't met. That can mean the claim is reduced, or in serious cases refused entirely — leaving you to cover fire damage, lost trade and any liability yourself. For a small business, that's often existential.

What good records look like

A defensible record is a certificate of compliance for each clean, with before-and-after photographs, grease-depth readings and the next-service date — filed and kept. That's exactly what every clean we arrange produces. It's cheap insurance for your insurance. Request a free quote and start building the paper trail before you need it.


Frequently Asked Questions

How long should I keep cleaning records?

Keep them for as long as you hold the policy — at minimum the current and previous service. Many businesses keep several years' worth.

What if my last clean wasn't documented?

Arrange a documented clean now and keep every certificate going forward. A clean record from today is far better than none.

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Tell us about your kitchen and we'll arrange a tailored, no-obligation quote — usually the same day.

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