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Are they trying to say you’re out $15k for labor even for the used engine or are they saying the new engine is more labor because the used one is “drop in ready” and they want the difference in both parts and labor?
The first almost has to violate your actual insurance agreement. The second is unreasonable, but may be legal.
As to other comments, State Farm isn’t party to your lease agreement. They have to fix the car or pay out the pre-flood value. If they can return the car to good working order it doesn’t matter to them if BMW doesn’t like it. Would be nice if 1st party diminished value was a thing... it would remove the incentives for things like this.
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