Guide

Red flags: uninsured crews and too-cheap quotes

Updated 2026-09-11

The lowest number on a three-bid sheet is often a different job. Uninsured or underinsured crews shift roof falls, chemical damage, and wet-floor injuries onto the restaurant. Canopy-only work sold as “NFPA compliant” leaves grease in the duct and a sticker that lies. This page is a walk-away list — not a price guide (regional costs are Unknown without a local three-quote set).

Short answer Walk if there is no COI, no workers’ comp for people on your roof, cash-only with no legal entity, refusal to name the insured, no before/after photos, canopy-only sold as a full clean, “we’re an NFPA-certified company” (NFPA does not certify companies), or a quote far below peers that never asked about duct length or fan access. IKECA credentials are held by individuals — verify the person, don’t treat a logo as a company seal. Ask for the contract questions list before you sign.

Red flag → why → what to do instead

Red flagWhy it bitesDo this instead
No COI / “we’re insured” with no paperSecondary hiring and vendor guides treat proof of GL before work as baseline; damage or injury without coverage lands on youRequire email COI before day one; match legal name to invoice
No workers’ comp (or “everyone is a 1099” on a multi-person roof crew)Injured cleaner on your property can chase the restaurant if the employer has no WC; secondary commercial-cleaning risk notes flag thisAsk for WC evidence covering the people who will be on site; pause if they refuse
Cash-only / no verifiable business entityHard to file a claim, hard to find them after a bad job, hard for your brokerPay a named company; keep W-9 / invoice with matching COI insured
Refusal to name insured entity or add your restaurant as requiredCertificate holder ≠ additional insured; secondary COI explainers: endorsement lives on the policy, not the PDF aloneAsk broker what wording you need; get revised COI + confirm endorsement path
Quote far below the other two with no access questionsSecondary quote guides: suspiciously low flat rates that never ask duct length / roof layout usually omit duct and fanRe-scope in writing; if they won’t name duct+fan, discard the bid (prices regional Unknown)
Canopy / filter wipe sold as full-system cleanLeaves fuel in plenum/duct/fan; secondary sources and insurers treat canopy-only as incomplete maintenanceRequire component list; use full-system vs canopy guide
No before/after photos or “certificate”No proof of what was opened; secondary insurance docs want photo path + written reportDemand sample photo set before signing; no photos = no hire
“NFPA 96 certified company”NFPA writes the standard; it does not certify contractors (secondary NFPA explainers are explicit)Ask for the person’s IKECA CECT/CECS (or other AHJ-accepted credential) and verify it
IKECA logo with no named tech / no credential numberCredentials are individual; company membership ≠ every tech is certifiedGet name + credential type + number; verify in IKECA search before the visit
Day laborers on the roof with no fall-protection mentionRoof work without a safety plan is how people get hurt and how your site inherits claimsAsk how they hinge the fan, who is on the roof, and what fall protection they use
“We’ll handle the fire marshal”Often blurs grease cleaning with suppression ITM or promises outcomes the cleaner cannot controlKeep suppression with a licensed fire contractor; cleaner delivers docs — AHJ decides
High-pressure “fire hazard tonight — sign now”Secondary hiring guides flag urgency manufacturing that skips COI and scope checksEven urgent jobs allow time for COI + written scope; get a second bid if safe

Insurance paper you should actually open

Credible bid

  • Asks about hoods, duct length, fan hinge, access panels
  • Names photos, report, label in the quote
  • Emails COI same day; names a credentialed tech when asked
  • Explains exclusions (suppression, panel installs, grease trap)

Too-cheap pattern

  • One-line “hood cleaning” price, no site questions
  • Cash discount if you skip paperwork
  • Promises marshal outcomes or suppression service they aren’t licensed for
  • Won’t share a sample photo report

Field check before they climb

Who it’s for / not for

Sources