What is the bank's legal responsibility for CHANGE IN CONTRACT?

Ratified contract with down payment, 0 degree weather, vacant house built in 1760 hot water radiator system easily visible damage as pipes are outside of walls. Ice cubes sticking from ends of broken water pipes, boiler had oil/water puddle which was not previously there. Before and after photos as boyfriend was not at 1st showing. We have construction loan to replace old septic from original agreement. Bank stated to realtor damage covered under insurance, get quotes. $52k for all with two proposals, bank refuses to pay even 50%. States under Force Majuere "Party's must take reasonable precautions." and Seller will inform in writing. Realtor's pressuring us to give bank a "number" & is no help. We want the house! We will hire an attorney if necessary. Master plumber $500/to winterize entire house & put in proposal severe damage due to inadequate winterization as everything including tubs, water heater, boiler, etc. was labelled "winterized on 9-12. To do inspections we agreed to pay for rewinterization in ratified sales contract. Is the bank legally able to strong arm us?