The Structure of the real estate property is very important. It's your safety envelope. An insurance company wants to see the condition of your most valuable asset. Your "4 Walls", yes you may have more than 4, but your "4 walls" are what protect you from many elements. So an insurance company whom is taking the risk in protecting your home needs to see what your home looks like.
They look at the egress doors, windows, the structure itself and the elevation of the roof of the property.