The loaf went in with expansion still to come
Very commonA loaf loaded before fermentation is finished still has gas to produce and dough that can still expand. That expansion happens in the oven, against a surface that is drying and setting from the outside in. Where the crust has set first, the expanding interior has to tear it to get out — so the loaf bursts along whatever line was weakest, usually a seam, the side, or the base of a braid. THE SIGNATURE IS THAT THE TEAR IS RAGGED AND PALE INSIDE, because it opened after the surface had already coloured.
What to change
Prove until the dough says so, not until the clock does
Judge the second prove by the dough: a floured finger pressed lightly into the shaped loaf should leave a dent that fills back slowly and incompletely. If it springs straight back it is not ready, whatever the recipe's time says. A cool kitchen can easily double the time a recipe assumes.
Shaped and proved yeasted loaves. It does NOT apply to a loaf that was already at or past peak, where more time makes the collapse worse rather than better.
Trade-off: The window between ready and overproved is real, so this is a check to repeat rather than an instruction to leave it longer.