BATHROOM THAT COST MILLIONS

Once upon a time, a small business moved into a commercial space on the second floor of a building—excited, eager, ready to get to work. But somewhere between settling in and setting up, they made a quiet, costly decision: they built a bathroom.

Without telling the owner.

Fast forward a few months—and boom—pipes burst. Water cascaded down through the floor and drenched the tenant below. Unfortunately for that ground-floor business, their digital equipment was no match for a surprise indoor waterfall.

Thankfully, they were insured. The insurer covered the damage.

But the story doesn’t end there.

The insurance company, now footing the bill, went after the tenant on the second floor to recover the costs. But the business—likely running on tight margins—had no means to pay.

So the insurer took aim higher.

They sued the building owner.

The price tag? A staggering P60 million.

One unauthorized bathroom. One building. One very expensive lesson.