You need to understand the competitive set, and the penetration of the subject property to that competitive set.

Steel, tile, slate, etc are all significantly more expensive, and decking issues beneath the existing (due to moisture, etc) will also significantly increase cost.

Also, your "inspector highly suggested getting a termite bond"... is there reason to think there's termite/moisture issues with the property?

Note that this is ground level unit and there was a theory at first that external moisture is causing it so we tried to work with the HOA. 

Recommend repairs to reduce moisture damage.

If specific concerns are raised (structural, moisture, electrical, etc) then the engineers or other specialists/trades are brought in for a more thorough examination.  

They need to get in there to check the moisture in the walls right now.  

The reason this came back is 2 fold: it wasn’t actually killed to start with because he bleach didn’t penetrate like the mold roots did, and the humidity is such that it’s ripe for repopulating.

The subfloors are typically a composite material and any leaks or moisture inside can rot them quickly and they crumble.

North Florida, hurricane / tropical storm area....So, with the damage being done by the POWER not being on, the floor can and will separate from moisture...