A load put upon a screeded floor is supported by the floor covering as well as the screed. These layers disperse the point load across the floor. The load is also supported by the insulation layer below the screed. If the load exerted on the floor is excessive, it could cause the insulation layer to compress, this in turn, could cause the screed to crack under the load due to the compressive strength of the insulation being insufficient to support the load.
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