Here's what a termite inspector tried to feather is proverbial retirement bed on back when we bought the house. Fortunately, the general inspector was quite suspicious of termite inspectors and tailed the guy, double checking findings.
Turns out, this big hole, located directly underneath the bathtub is no big deal - as you might have suspected, it's not like someone is going to fall through he bathtub, and through this hole.
Word to the wise, never trust a termite inspector that also does repair. Likewise, a fraudulent termite inspector might shadow his activities by "referring" instead of doing the work himself. Don't trust em.