A little heavy handed me thinks :

For one an insurance company will not pay out for a smelling carpet, as the odour will disappear when it's fully dry.
You never want to wet a carpet already damp and smelling, just need to get it dry with an air mover or dehumidifier.
any corrective cleaning can be carried out after.
Most customers just want the smell to go quickly, which is due to the bacteria coming alive in the damp conditions that have been left too long.
Normally will go when fully dried out.
I find in these situations the customer won't let the original cleaner near the place!
Just get it dry

regards
steve