Most UK commercial property and material damage policies now reference internal cleanliness of ventilation systems – particularly for buildings with commercial kitchens. TR19 is the standard most commonly named.
Typical policy conditions
- Inspection and cleaning of kitchen extract to TR19 Grease at defined intervals
- Maintenance of cleanliness records and certificates
- Notification of changes in use that alter the risk profile
- Access to records on request at policy renewal
Consequences of non-compliance
Claims arising from kitchen extract or duct fires have been refused, in part or in full, where TR19 compliance evidence could not be produced. Beyond claim risk, organisations may see premiums increase or cover restricted at renewal.