Q
Our insured sanded and refinished a large pine floor. Months later, the floor began to split and crack. Apparently the finish put on the floor was too heavy and the floor boards were not properly expanded through humidification methods prior to the beginning of the work. Finish was thus allowed to seep between the floor boards and side bonding (gluing) at the joints resulted. So, the floor boards were unable to naturally contract at the joints and the boards themselves split. The customer demanded the insured repair the damage. When the insured made a claim to his insurer, coverage was denied based on exclusions (j.5), (j.6), (k), and (l) of the CGL form.
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