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.
After a few hours you can walk on the floor if you use a sheet of 3/4 plywood to spread the weight. Drying times can be accelerated somewhat by mixing the mortar with hot water and aiming a fan at the floor. Mortar dries a little faster on porous material like concrete or Durock. A product called SpeedSet exists, which offers a 4 hour drying time. It becomes unworkable after about 20 or 30 minutes so I don't recommend setting an entire floor in it. Drying time increases when you have more buildup (the height of the mortar under the tile)