Your insurance would pay out or don't your realize that? The person driving should also have insurance. So no, you couldn't sue for the cost to rebuild the house, as that is why you have insurance. You could claim the deductible you paid though.

Have you ever sued anyone? Have you ever been in a court besides for a traffic ticket?

Will it cost $27k though? If a used engine can be found for much cheaper, then no, it won't cost $27k. That price was for a remanufactured engine from BMW. The BM dealer and the BMW dealer could easily argue that the OP is not entitled to a rebuilt engine. If you are driving and go into water that was deeper than you expected and the engine gets trashed, your insurance company can put a used motor in your vehicle if they want. have 70k miles on it, they can find one that has that or less. The OP shouldn't try to go the remanufactured route as a court could say no to that damage claim.