Hope: Looking Forward

As I manage my life and business during this time I am reminded to live in peace and have joy. When I see the American flag flying at my home each day it reminds me that Americans not only survive but thrive. We will beat this virus.

Earlier this week I was feeling a bit down so I reached out to a dear friend. He reminded me to lift my head and “back away” from the problems and challenges. To start looking up towards the horizon to find the answers. Once I did that I immediately felt better and could address the challenges with a fresh outlook. I was blessed by my friend and I hope my message will be a blessing to you.
– Trey Siner

Happy Easter!

We pray you and your family have a wonderful holiday weekend.
Despite the circumstances, may we all reflect on the incredible hope
Resurrection Day promises to all who believe.

The Average Annual Savings for Every Person That Switches Their Home and Auto Insurance to
Trey Siner Insurance Group is $416.00!

Now is a great time to refer people you know to Trey Siner Insurance Group!

We Love Referrals and We Thank You for Thinking of Us!

Every time you send a friend our way, Trey Siner Insurance Group donates to a partner non-profit.

We believe in serving our community and are here to protect what matters most.

AND to thank YOU for your referrals, each one earns you an entry into our monthly drawing for a $100 Amazon gift card! Yes, that’s right…


We have increased the gift because You are Worth It!!

BIG THANKS to everyone for referring us in March:

Adam Sommerville, Andrew Kluttz, Brian Roder, Debra Reinhardt, James Ammons, Katanya Kelly, Lisa Carlton, Marc Reid, Richard Peabody, Stephanie Drew

March Referral Winner: Marc Reid

 

Protecting Your Business

Important information and links regarding Coronavirus and how it impacts business and life in North Carolina.

A Message of Hope for Businesses

Sometimes life throws you curve balls. And business is no different. The uncertainty may feel scary, but you’re not alone—you WILL get through this. These free resources will help you create a plan of action, connect with your team, and drive your business forward.

Virtual Communication Resources for Businesses

From the Cabarrus County Chamber of Commerce

  • Zoom – A feature-rich free version is available, able to accommodate up to 100 people for up to 40 minutes, has good encryption and is user friendly. Be aware of Zoom meeting settings and the potential for Zoombombing hackers.
  • Microsoft Teams free– During COVID-19, if the individual is not licensed for Teams, they will be logged into the product and automatically receive a free license of Teams that is valid through January 2021. This includes video meetings for up to 250 participants and Live Events for up to 10,000, recording and screen sharing, along with chat and collaboration.
  • Google Suite / Google Hangouts – Free 14 day trial of Google Suite; Services Provided: Video Conferencing, Audio/Phone, Instant Messaging, Information Storage/Sharing, Project Management, Security/Encryption. In response to COVID-19 through July 1, 2020: free access to the paid version of Hangouts Meet for up to 250 participants per call, live streaming for up to 100,000 viewers within a domain, and the ability to record meetings and save them to Google Drive
  • GoToMeeting– 14 day free up to 250 participants.
  • Slack – Free version offers Slack’s basic features including 10k searchable messages, 10 apps and integrations, 1-to-1 video calls, and two-factor authentication.
  • Blue Jeans – Free 30 day trial to see if it fits your needs, Software/App is downloaded.
  • FreeConference – Free, limited to 5 participants, simple to set up, no download required.
  • U Meeting Basic– Free, up to 25 participants, Software/App is downloaded, 30 minute max meeting length.
  • UberConference Call– Free for now for calls with all main features, up to 50 participants,
  • Citrix WebEx – Free version, screen sharing and integrated audio

 

We’re Right Here Beside You When…

“With all of the trouble during Covid19 Jared got our policy written and took care of all of our questions and issues. He was very helpful and personable. I’m very pleased with Trey and his wonderful team.”

Sheila K.

Be Proactive!

Recently we have had several clients call regarding wind damage to their roofs. We went through our normal claim process in filing the claim and sent out the adjuster. Interestingly though there was no wind damage. There is however vandalism! How did that happen? So we sent out a roof engineer, not someone who replaces roofs, to give an independent review and statement. It was indeed reported the damage was man made.

Interestingly we found out the same roofer (aka storm chaser) was on all of the same roofs. Of course it is very difficult to prove any one person did any damage unless you see it for yourself. These roofs are being covered as vandalism, however we all need to be proactive in knowing who is on our roofs. If there was no damage then no deductible is paid by you and you are able to keep your premiums lower.

We always encourage the following:

  • Go to our suggested vendors page
  • Choose a roofer that you know is local and reputable. Check their license plates too!
  • Get references and call them to verify the work
  • Watch the roofer get on the roof and do their inspection
  • Do not sign any contract with a roofer until the claim is filed and determined to be covered by the insurance adjuster
  • Do not get pressured or fooled that you must use an certain roofer – its your roof and your choice!
  • If the roofer claims they can “cover” your deductible please know that is INSURANCE FRAUD
  • Roofer cannot file a claim on your behalf, they are not the insured, so don’t allow them to pressure you – call us!
  • Let the insurance adjuster negotiate the price – they know when something is being overcharged
  • Many times these roofers will be here and gone tomorrow so any warranty they offer could be worthless
  • Verify they are listed on the Better Business Bureau or some other reputable business resource guide

Also please know there are no licensing requirements and no experience to be a roofer.

So be proactive and do your due diligence to work with the reputable roofers who live and work in your community and have a long history of being in business. As in many industries there are a few apples that can spoil the bunch. By doing your homework you can feel confident you have a quality roofing company serving you both today and tomorrow. And remember We’re Right Here Beside You!

Prescription home delivery:

Cannon Pharmacy: https://cannonpharmacies.com/

Harrisburg Hometown Pharmacy: https://www.harrisburgpharmacync.com/   (Cabarrus County)

Walgreens: https://www.walgreens.com/topic/pharmacy/prescription-delivery.jsp

CVShttps://www.cvs.com/content/delivery

Ways to Help

www.Feedingamerica.org

Donate to local food pantries such as Cooperative Christian Ministry

Offer assistance to at-risk neighbors

Follow directions of State and Local authorities

Planning & Preparing

www.cdc.gov/coronavirus/2019-ncov/prepare/get-your-household-ready-for-COVID-19.html

No Needles for Life Insurance + Auto/Home Discounts!!

I hope you are doing well and staying safe. As your trusted insurance advisor I wanted to advise you that recently we’ve had many inquiries about life insurance and planning for the future.

Erie is offering a temporary waiver of the paramed life exam for existing Erie customers applying for $500,000 or less. You must be age 55 or under to qualify. If you currently have a life policy with Erie, the maximum you can apply for is a total of 500K without an exam.

Now is the time to take advantage of this offer and avoid the exam requirements due to the possibility of Coronavirus exposure.

It only requires an application and answering the medical questions. Erie will order any medical records, if needed and pull their online reports. No money is due until the life policy is approved and you accept. Plus you will get additional discounts on your home and auto policies! I’m not sure how long this offer will last, so I highly recommend we do it NOW.

Call our office at 704-795-6878 or email karie@treysinerinsurance.com to discuss the details. We can take care of you over the phone.

Remember We’re Right Here Beside You!

What to Do if You’re Out of Work

from Dave Ramsey

Coronavirus—aka COVID-19. It has flooded our social media, nightly news, and has even made its way into some of our communities. It goes without saying that this thing has created mass hysteria and panic across the globe. But if you’re looking for that here—you won’t find it.

We haven’t lost our hope, and you shouldn’t either. We’re going to get through this, folks. Emotions are running high surrounding the coronavirus, and it feels like there’s so much uncertainty. But you don’t need to live in fear.

Yes, this virus has impacted all of us, whether it’s by coming down with the sickness itself, becoming filled with anxiety from the news, or being out of work (and out of a paycheck). We’re all feeling it in some way. And with 78% of Americans living paycheck to paycheck,1 it’s easy to see why the loss of even just one paycheck could be devastating.

Legislation Changes Due to COVID-19

from Gordon, Keeter & Co. Certified Public Accountants

  • Paid Sick Leave and Family Leave due to COVID-19 under the Families First Coronavirus Response Act.
  • Rebate Checks under the CARES Act (“Stimulus Checks”).
  • Paycheck Protection Program under the Cares Act (“PPP” Loans through the SBA with a potential loan forgiveness provision).
  • Employee Retention Credit under the CARES Act – Allows for tax credits to reimburse employers for wages paid to employee during a period when the business is experiencing and economic downturn due to COVID-19.
  • Payroll Tax Deferral under the CARES Act – Allows an employer to defer payment of 50% of certain federal payroll taxes until 2021 and 2022.
  • Expanded Unemployment Benefits under the CARES Act – Allows for unemployed workers to receive an additional $600 in federal unemployment, including unemployed individuals.
  • Retirement Accounts under the CARES ACT – Restrictions and requirements related to withdrawals due to RMDs, loans and early distributions have been eased to reduce penalties and allow access to retirement funds during the economic downturn.
  • Federal Student Loan Payments under the CARES Act – are suspended for any payments due between March 27, 2020 and September 30, 2020. Additionally, requirements under Pell Grants and Work Study programs have eased.
  • Miscellaneous Income Tax Provisions under the CARES Act – Allows for special income tax provisions concerning charitable donations, expanding the definition of qualified medical expenses under “HSAs”, “MSAs” and “FSAs”, net operating losses and qualified improvement property.

Verse of the Month

May the God of hope fill you with all joy and peace as you trust in him, so that you may overflow with hope by the power of the Holy Spirit.

Romans 15:13

Contact Us

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247 Church Street NE, Concord, NC 28025

(704) 795-6878