I can't talk to the condition of the reefs after the hurricane in BVI but I can tell you I have been on many reefs after much less severe storms and the damage can take up to a hundred years to repair. The worst thing that happens is a "snowfall" on the reef which is a situation where fine pieces of coral get churned up by the storm and fall like snow on the reef. This smothers the living coral and without living coral the fish will relocate and the result is mile after mile of virtually dead reef...especially in shallower water where the wave action and churning is more severe.