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In regard to the wet carpet problem...
I have worked in apartment management for many years and have some advice on this. The only time I have heard anything mentioned about possibly having to replace due to flooding is b/c of a sewer back-up due to the risk of bacteria etc.
If it is a "clean" water flood (not sewer water) then a carpet cleaner should come out and suck as much water out of it as possible. Then a blower(s) should be put down to finish the drying process and if the pad is wet then it may be needed to pull up the carpet in the corner and let the blower blow under as well.
The key to not getting mold is to take quick action to dry the area. Typically if dried within 48 hours mold will not form.