How much coverage does Sherrie have available for the damage to her fence with a typical HO-3 policy?

Under a typical HO-3 policy, which is a standard homeowners insurance policy, the coverage for damage to fences falls under the category of "Other Structures" coverage. This coverage generally provides compensation for structures that are not attached to the main dwelling, such as fences, sheds, and detached garages.

The coverage amount for Other Structures is typically a percentage of the dwelling coverage. Many policies provide 10% of the Coverage A amount (the dwelling coverage). For example, if the dwelling is insured for $150,000, the Other Structures coverage would be $15,000 (10% of $150,000).

In this case, if Sherrie's coverage aligns with the standard percentages, the amount available to her for damage to her fence is $15,000. This figure makes sense in the context of how these policies are structured, thus supporting D as the correct option.