Thanks so much!
Try this: In the Find dialog, see that the Grep box is checked.
Search for: [,\.]
Replace with: &\r
The brackets mean "match anything listed here". Since the period (or "dot") has a special meaning in Grep searches -- it's normally used as a wildcard character that'll match anything -- we put a backslash (\) in front of it so TextWrangler knows we actually wish it to match a period only. So the search pattern as a whole says, "match a comma or a period". (You can throw in a semicolon or anything else, too, as needed.)
The replacement pattern says "take what you found (represented by "&") and add a break (\r) after it".
For more, see Help > User Manual > Searching with Grep.
- TH