Do I have any options to get a replacement home? Insurance company called it normal wear and tear.?

Water damage from a slow leak inside a bathroom wall of our single wide mobile home. It is 16 years old and at least two owners. We have it mortgaged on 5 acres and owe 70,000 on it still. My insurance company came out and did an inspection and deemed it water and mold damage from normal wear and tear. What can we do? Can we replace the mobile with a new one?

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