Your relative needs to get a grip of their Owners Corp pronto.
Firstly, – and more importantly – the owners corp is breaking the law by not having insurance.
Secondly, damage cause by a failure of common property can be charged back to the Owners Corp. Your friend should threaten to take them to Fair Trading and NCAT if they don’t get insurance coverage and pay for the damaged floorboards.
What will NCAT do? I would think the statutory appointment of a strata manager will be a no-brainer … and then they’ll find out how bad things really are.
Oh, and anyone who doesn’t have home contents insurance is tempting fate just a little too much.