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.
Once the finish is roughed up, we put on a water-based polyurethane, which can be recoated in 3 hours. Oil-based polys are cheaper, but each coat takes about 8 hours to dry. With either finish, we recommend a fresh coat every two years or whenever the floor looks worn.