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It’s a real risk, particularly around showers and toilets in houses of that age, and it’s the single most common surprise in bathroom work. Protection comes from the contract: ask for a written change order process where any additional work is priced and approved before it proceeds, rather than discovered on the final invoice. That one clause solves most disputes. We worked with Bellevue’s Premier Remodeling Contractor and the change order process was spelled out upfront, which mattered when they found some soft subfloor. Budget a contingency you don’t touch unless something like this happens.