כשהיא חוזרת הביתה בגשם, המעיל שלה רטוב מאוד.

Here is a quick breakdown:

• כשהיא = when she
  • כש = when
  • היא = she
• חוזרת = returns / comes back
• הביתה = home
• בגשם = in the rain
• המעיל שלה = her coat
• רטוב מאוד = very wet

So the structure is:

When she returns home in the rain, her coat is very wet.

Because כש is often attached directly to the following word.

• כש means when
• היא means she

So כש + היא = כשהיא

This is very common in Hebrew. You will often see short words like prepositions and conjunctions attached to the next word.

In Hebrew, the present tense is often used for:

• habitual actions
• general truths
• repeated situations

So כשהיא חוזרת הביתה בגשם does not usually mean one specific event right now. It means something like:

• when she comes home in the rain
• whenever she returns home in the rain

If you wanted a one-time past event, you would use a past form, such as כשחזרה.
If you wanted a future event, you might use כשתחזור.

Because the subject is היא = she, which is feminine singular.

In Hebrew, verbs in the present tense agree with gender and number:

• חוזר = masculine singular
• חוזרת = feminine singular

So with היא, you need חוזרת.

הביתה means homeward / to home / home.

The final ה here is an old directional ending, sometimes called the directional heh. It gives the sense of movement toward a place.

So:

• בית = house/home
• לבית = to the house/home
• הביתה = home / toward home

In many cases, הביתה is the natural way to say home after verbs of motion like go, come back, or return.

Literally, ב־ usually means in, so בגשם is literally in rain or in the rain.

In this sentence, it means that her returning home happens while it is raining, or under rainy conditions.

So בגשם can be understood as:

• in the rain
• when it’s raining
• during rainy weather

This is a very common way to show possession in Modern Hebrew:

• המעיל = the coat
• שלה = of hers / her

Together: המעיל שלה = her coat

Hebrew often expresses possession with:

noun + של + pronoun

Examples:

• הספר שלי = my book
• הבית שלהם = their house
• המעיל שלה = her coat

Because in Hebrew, possessed nouns are often still marked as definite.

So המעיל שלה literally looks like the coat of hers, but it simply means her coat.

This is normal Hebrew usage. Omitting the ה־ here would usually sound less natural.

Because the adjective must agree with the noun it describes.

The noun is המעיל = the coat, and מעיל is masculine singular.

So the adjective must also be masculine singular:

• רטוב = masculine singular
• רטובה = feminine singular

Even though the owner is she, the adjective agrees with the coat, not with her.

In Hebrew, מאוד usually comes after the adjective or verb it modifies.

So Hebrew says:

• רטוב מאוד = very wet
• literally: wet very

This word order is normal in Hebrew.

Other examples:

• גדול מאוד = very big
• יפה מאוד = very beautiful
• אוהב מאוד = loves very much

Usually it sounds general or habitual:

• when she comes home in the rain
• whenever she comes home in the rain

Because the verb is in the present tense, the sentence normally describes a repeated situation or a general pattern, not one single event.

If context makes it clear, it could still refer to a specific situation, but the most natural reading is habitual.

The comma separates the opening when-clause from the main clause:

• כשהיא חוזרת הביתה בגשם, = subordinate clause
• המעיל שלה רטוב מאוד. = main clause

This is similar to English:

When she comes home in the rain, her coat is very wet.

In standard writing, this comma is natural and helpful.