I'm an insurance broker and I shop with 30 A rated insurance carriers for the best rate. 

Also, if you are doing an STR in that unit, you may want to find a carrier who offers "home share coverage" as well which is another layer of coverage.  

They need to inform their Insurance Carrier.  

From what I understand insurance carriers are on top of it and the FBI and NJ division of banking and insurance fraud is involved.He’s going to rot!!!

However, they're actually on the prohibited breed list for some insurance carriers: https://www.scoutknows.com/getting-dog/most-common-dog-breed-restrictions-apartments/If it were me, I'd advise your client to pass, especially if it's a nice newly-renovated unit. 

I switched carriers twice, met my husband, and had a baby all within a two year span, while working on getting the house remodeled.

He can no longer make a claim on his roof, or any damage that could be caused from an issue due to the roof, his carrier has the option to non renew his policy at renewal (this happens annually) and should he go looking for another insurance provider the new provider will have the data about the claim and know that the roof was not replaced which lets the new insurance company know a few things. 

im not familiar w/ rates outside of CA, however will suggest getting at min 3 quotes from different carriers using the same limits on each quote.

Hopefully a frozen pipe wont have caused too much water damage, your insurance carrier could look at a frozen pipe and deem it as neglect or lack of maintenance as water lines shouldn't freeze if properly  taken care of and thus not pay anything as far as remediation goes

Let me know if you have any questions -"An Engineered Cost Segregation Study gives the ability to substantiate the replacement costs to the insurance carrier.