Solar panel racks are great because they can serve several purposes:
Hold the panels and make them accessible
Over a garden you can plant things beneath them that will give the plants a break during parts of the day from blistering sun.
Here in Calif, and no doubt other places, it's not unusual to see structures over parking lots/parking spaces giving cars protection from the sun
As a patio canopy providing protection from the sun.
Of course if one has a large solar array on their roof and it's damaged from what ever disaster, it should be covered by your home owners insurance policy for replacement.
If you've rented your roof to a solar installer to install their panels than they would be responsible to replace them.
Another benefit of covering your roof with solar panels is it prolongs the life of your roof. If you can keep the sun and weather off direct contact with it's surface it's going to last much longer.
Like I stated, I wouldn't leave PERSONAL solar panels up when the threat of hurricane exists. Just as one wouldn't leave loose garden furniture and other things you wouldn't want damaged outside.
Solar panels are meant to withstand wind and rain and depending on how well they've been anchored in place they shouldn't blow off.
With hurricane winds and tornados ANYTHING can be damaged including powerlines, substations, and even one's own electric meter can take a direct hit that would knock out your power.
Some people cover their windows with boards during hurricanes for protection with plywood. If they can do that, they can just as easily remove their solar panels temporarily until after the winds pass.
