Beth,
I’m also not sure there will be warranty coverage. The latest warranties are 3 years from date of manufacture.
https://www.lionelsupport.com/warranty
The set was cataloged in 2018 and delivered in 2019, so time is a wastin’.
Background info… https://ogrforum.ogaugerr.com/...es-from-harmon-shops
I have the Harding funeral set too, and it has the issue. I opened mine up before it grenaded itself and will probably ship it to @harmonyards for a prophylactic fix.