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.
Typically, 24 hours after the last coat is applied your floors should be dry enough to walk on and place furniture on. Even though the floors are dry, it will take the finish about 21 days to fully cure. Wait at least 10 days before you place any area rugs down.
According to the EPA, any carpet that doesn't completely dry in 48 hours needs to be removed and discarded. That is how long it takes for mold to settle in. Once it gets into the carpet, there is no 100% safe or effective way to remove it. I am sorry but your carpet will need to be replaced.