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As the structure is timber bearers and floor joists, termite damage could bring down the whole building. Should these be eaten away the internal walls then collapse and the the unit is no more. My query is who would be responsible to rebuild ? Comprehensive Building Insurance does not cover...

Each unit has an access door about 1200 x 700 allowing good access to the underfloor area from within each units outdoor space. I am happy to get mine sprayed but what if someone else doesn't and we all get a levy to repair the whole unit ?

I am looking at buying a unit which has a timber floor on bearers and joists which sit on stumps. Looking at the reports I notice that the Management Committee only have the common areas inspected and sprayed for pests and leave it to the individual owners to arrange their own inspections...