I would negotiate to replace the whole array with the best their is on the market for the same price (the insurance covers replacement cost)
You replace the MPPT to match the new array (500w, etc) and sell the old one …
Yes: You may have the redo some racking and cabling but I think that is worth it.
You will get much better output and even increase it given the cost of panels and the MPPT deals going to the moment (see Sonop thread)