2003 Ford Taurus water damage

My son drove into some water not knowing it was as deep as it was, and his car stopped. He had about 5 inches of water on his floor board the engine need to be replaced now cause the rods in the engine busted from the pressure. The insurance says they are going to replace the engine and fix what is now wrong with the car, also detail the inside. He will have a 1 year warranty on parts and labor. How likely is it to be ok after this damage. Or is there a way we can get them to just total it?