Shawn, sorry to hear that the sofa seams have split. While I don't know which product you purchased, I could look into it further with more information. Feel free to contact me directly at the store.
You are correct that the protection plan is for stains and scratches, etc. to the leather and that would all be outlined on warranty information. Please keep in mind that the $200 is refunded as a store credit, if you don't have any claims for stains, etc.
We also honour all manufacturer's warrantees and do any repairs, at their direction, if covered. If not covered by warranty, we will arrange to have the item repaired by a leather technician, however, those costs would not be covered.
Again, while I assume our service department passed the information on to the manufacturer for a warranty claim, I would be happy to investigate further for you, if you would like to contact me at the store.
Stoney Creek Furniture