Joel is an insurance and financing advisor who helps individuals and business owners manage risk through Starisks Insurance, and provides fast, flexible hard money loans to fund real estate deals, renovations and investments through HMMB Funder LLC.
Fix & flip projects are most exposed during renovation. Builder’s Risk Insurance covers the structure, materials, theft, weather losses, and delays so you can protect profits and timelines.
Vacation homes aren’t covered like primary residences. Review flood/windstorm, vacancy, and short-term rental gaps, update dwelling limits, and add umbrella protection before peak season.
In today’s market, getting a traditional bank loan can feel impossible. Recent reports show that small business loan approval rates at big banks dropped below 15% in early 2025
Builder’s Risk Insurance protects construction and renovation projects from storms, theft, vandalism, and costly delays. Learn what it covers—and what it doesn’t.
