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.
Screening, or buffing, the floor will only remove light marks caused by normal wear and tear. Once the floor is screened (lightly sanded) it will be coated with a coat of polyurethane. It usually takes one day to screen and recoat a hardwood floor. Screening will not remove deeper scratches and indentations.
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.