A tornado hit my home. What will State Farm do for us.?

My house was hit by a tornado and I'm pretty sure State Farm is not going to find my home a total loss because half of my home looks okay. The house is 1400 square feet and sits on 1/2 acre lot, we owe $121,000 on the mortgage. This is what I can tell is wrong with my home. The den and attic area smell from wetness (mold), the floor in the den is buckled up (also the carpet) and smells from wetness along with the big 3 windows blown out of the frame. The entire roof and ceiling are a total loss, my non-connected 25x25 garage that was done in vinyl and trimmed in aluminum is a total loss (the adjustor did tell me that already). The front door and 2 windows in the front were blown in, the den, laundry room, and 3 bedroom doors were blown in. 3 quarters of the 3ft metal fence surrounding my little over a quarter acre back yard is gone and I have vinyl siding and soffits busted, and missing in various places. My power service from the pole to my house was ripped from the side of the house, when that happened the breakers in the box were yanked up into the wall and I saw water coming out the breaker box. Water was dripping from most of the fans and light fixtures the night of the tornado. My new laminate floor in the front room is nicked up and in a few spots it looks like the floor maybe dipping in. Not to mention all our stuff in the garage / game room was destroyed and all our stuff in the den was wet down and showered with glass. Along with many busted or wet down items from the yard, kitchen, and daycare room. The Disaster Assistance people have gave us the okay for a $185,000 loan and 2.5%, but you can only use the loan to rebuild what you already had with no upgrades. I want to pay off our mortgage and get a new loan and build a bigger better home. With all this info does it sound like we might at least get $121,000 from State Farm.