A category 4 hurricane has 130-156 mph winds that can tear or lift roofs off homes and commercial buildings. If your roof has been damaged or destroyed by a hurricane, then it is also highly likely that you will have significant water damage on the interior of your home. Depending on your policy, what your insurance company will pay on your roof will depend on how old your roof is and whether it has had any prior damage. If your roof is relatively new, most insurance policies will pay to have the roof repaired or perhaps even for a new roof.