Why not make an INI file that allows you to add the words to? This will make adding TONS of words easier. So, in an ini file, you have it laid out as:

[words]
badword=kick
badderword=kick,ban

Etc. You could set the option to kick and ban the users, just kick, warn, etc, depending on the level. Then, all you need is a loop to scan and make sure that the word is not in the file. You would want to load the INI into an active hash so that way scanning is easier. Anyways, just my 2 cents ;)