Personal liability coverage and medical payments coverage are also provided by this policy. Coverage of the dwelling, related structures, and scheduled personal property is on an all risks basis, while coverage of unscheduled personal property is on a broad named perils basis.
Screening, or buffing, the floor will only remove light marks caused by normal wear and tear. Once the floor is screened (lightly sanded) it will be coated with a coat of polyurethane. It usually takes one day to screen and recoat a hardwood floor. Screening will not remove deeper scratches and indentations.
An oil based polyurethane finish is the most common finish put on wood floors. It typically takes 24-48 hours to dry between coats and 30 days to fully cure. Water based finish dries within two hours of application, cutting down on the wait time. However it costs almost three times as much as oil-based finish.