Passing inspection does not mean a building is insurable. Insurers are now the ones setting the real design standard for churches, hotels, and commercial properties in weather-exposed regions, and the gap between code minimums and insurability is only growing.
A rendering does more than sell a vision to donors and planning boards. A coordinated 3D model catches the spatial conflicts, code issues, and coordination errors that flat drawings hide, before they become expensive change orders in the field.