It depends on the coverage and what you set up with your insurance agent when you took out the policy on the mobile home. Generally speaking, the insurance company will forward a check for the pay-off value of your loan to the mortgage company. If any monies are left-over and your policy is written to reflect this, the insurance company will then forward a check to you for the difference between your insured amount and the loan pay-off amount. At this point, you can offer to buy the mobile home back from the mortgage company (probably at less than market value) since it has been "totaled". If you don't buy the mobile home back from your insurance carrier, you will be forced to move out and leave the home for the insurance carrier to deal with the disposal of your "totaled" mobile home. If you do buy the mobile home back from your insurance company, it will probably be next to uninsurable because it has been "totaled" but at least you'll have your home. I would call the agent that wrote your policy binder to talk with him/her about the fine print on your insurance contract and what you need to do from this point forward. Good luck, and I'm sorry to hear about the damage to your home.
Former insurance agent and home-owner.