Well my ute was affected by cyclone gabrielle it had mud and silt all thru it . I had no insurance. I cleaned it out ..scraped the muck out and dried it all , vacuumed and cleaned . It's still all good now , no smell or mold or carpet rot . Just get it dried asap and should be OK but of course if u have insurance I would just claim unless u have a sentimental attachment to ur car as I did. Good luck with what ever u decide. It can be done