Meri's homeowners insurance will help her pay the costs of repairing or replacing her roof that was damaged by the hurricane. This insurance typically covers damage to the home's structure caused by covered perils such as wind or storms, which include hurricane damage. The insurance will help cover the repair expenses, subject to deductibles and coverage limits specified in her policy. It usually does not cover damage due to wear and tear or lack of maintenance but helps with sudden, accidental damage like the hurricane's impact on her roof.