A polished timber floor looks warm and inviting, but looks can be deceiving. If you've got a suspended timber floor which is not insulated, it can contribute to as much as 20% of heat loss during winter.
Whilst many homes in Australia now have insulation in their roofs and walls, if your home is built suspended off the ground this could be the unknown area where heat is leaking out of your home in winter and entering it in summer. Without insulation, your flooring material is the only thing between you and the elements. Heat can be lost and draughts can enter through the floorboards making your home cold and uncomfortable.