That's a privacy infraction. Why should they have to do that?
I.D. can be faked.
One photo of a burned house is no different to any other photo and does not prove a residential address.
A randomly generated series of twenty letters, numbers and characters prevents any fake prepared videos crafted days, weeks or months in advance.
OP talks about insurance so it would ensure there is no insurance fraud
A lender is entitled to know who the borrower is and the truthfulness of their "genuine reason" for a loan given the potential borrower didn't just say it was for "personal" reasons.
If the potential borrower can't truthfully prove the circumstances of the claims in their loan application, then that would mean they are not being truthful.