Celebrating 18 Years!

Happy 18th Birthday to Us!! We are so thankful for you trusting us to protect you. Check out this little video. I think it shares my thoughts and feelings better than any words I might type here.

On another note:
February is known as Insure Your Love Month which sort of ties in nice with Valentines Day! We love our families and should do all we can to protect those we love financially among other ways. LifeHappens.org is a non profit that was designed and built to help remind us to protect our loved ones with life insurance.

Seems each day or month now has a National Day of ….. And that’s ok! Even though February is the shortest month of the year we should take a moment to sit down with our loved ones and do a “life review”.

Check your policies to make sure you have the amount of death benefit your need, verify your beneficiaries listed are correct and see when the Term ends on all policies. Or if you have a Universal Life (UL) see when the guarantee period ends…it could be if you have an older UL plan it is not being funded enough and the policy will lapse when you need it most! We see this all the time!!

Be sure to build a plan that you own and is not included with your employer. Those employer plans are great while you work there however in most cases when you leave that employer (by your choice or theirs) your plan either ends or coverage is reduced significantly. We all know virtually no one stays with the same employer for 25 + years any longer so their coverage is not a good long term plan.

Also get a will (see video) to protect your family! This is absolutely necessary even if you are single but certainly if you have a family. Do not wait!

We are hear in February and every month of the year to perform life insurance reviews, to design plans that meet your needs and budget but most importantly to protect those you love the most! Very simply life insurance offers options and choice for the family. What an amazing legacy you can leave when you take some time to build the right life insurance plan!

Be well my friends,
Trey Siner

New Year, New Look!

We’ve got a new website!

Go to our Home Page and browse around. Let us know what you think or what else you’d like to see by commenting below. We value your opinion!


A Healthy Idea for a Valentine's Dessert!


Local Events

Billy Graham Library: Then Sings My Soul

January 10 – March 31, 9:30 a.m. – 5:00 p.m.

Charlotte Racers Expo

February 7 – February 8, All day


February 22 – February 23, All day

Carolina Alpaca Celebration

February 15 – February 16, All day

10 ESSENTIAL TIPS For Safer Winter Driving

1. Winterize your vehicle – Check your battery, front and rear defrosters, fill up the washer fluid and antifreeze, inflate your tires to the correct pressure, and keep your gas tank at least half full to avoid frozen fuel lines.

2. Clear your windshield – Never pour hot water over the windows to melt the ice and snow. This can shatter the windshield. You can create your own deicing solution by combining two parts isopropyl alcohol and one part water in a spray bottle. Keep the spray bottle in your house. Be sure to use a plastic scraper to avoid scratching the glass and use the front and rear defrosters to melt the ice. Avoid using your windshield wipers until after all the ice and snow have been removed.

3. Don’t just clear your windshield – Don’t forget to clear all of the other windows, as well as the roof, hood, mirrors, headlights and tail lights, license plates and the exhaust pipe. This will prevent accumulated ice and snow from becoming an airborne hazard for other drivers.

4. Keep a survival kit in the car – Blankets, water-proof boots and gloves, hats, and any necessary medications should be carried in the car. Keep a small shovel, jumper cables, and something that could be used for traction (e.g. cat litter, sand, etc.) in the car as well.

5. Test your limits in a safe environment – Take your car to a familiar, empty parking lot near your home after a rain, snow or ice storm. Practice emergency stops and turning at a safe speed. Be sure and watch out for light posts, curbs and parking barriers to avoid any damage to your vehicle.

6. Warm up the car the right way – To avoid carbon monoxide poisoning, never attempt to warm up your car in an enclosed area. Even when outside, be sure to clear your exhaust pipe before running your car.

7. Pump your brakes at the right time – If your vehicle is equipped with an Antilock Braking System (ABS), you should depress the brake pedal completely and keep it depressed. The ABS will rapidly pump the brakes for you in most situations if at least one wheel is still turning. If all four wheels have stopped turning and the vehicle is still sliding on ice, you should pump your brakes as the ABS has failed.

8. Drive in the existing tracks – To help traction, try to stay within the pathway already dug by other vehicles’ wheels. If you end up stuck, remember to keep your wheels as straight as possible and don’t just continue spinning your tires. Spread sand or cat litter around your tires and along the path you plan on taking. In a pinch, you can also use your floor mats for traction.

9. Don’t turn while braking or accelerating – In rain, snow and ice, attempt to slow down before a turn and accelerate slowly after the wheel has already turned.

10. Catch a skid – If you do start skidding, stay calm! Don’t slam on the brakes, don’t hit the gas pedal. Turn your wheel smoothly in the direction that you intend to travel. You should be able to regain control of the vehicle once it has slowed enough to regain traction. Don’t turn the wheel too much, a little goes a long way and you don’t want to be pointed in a dangerous direction if traction returns suddenly.

Of course the best way to avoid an accident is to stay off of the road in inclement weather. 

We’re Right Here Beside You When…

My 20 year old daughter had a car accident in January. We were so thankful that she was fine, but her car was totaled. I called Lindsey at Trey Siner Insurance and she walked me through the process in a very friendly and caring way. It turns out that when we originally bought our policy, we had opted for the Repair and Replace option. The cost per month is negligible, but it was so worth it! Erie Insurance covered the loss of our car plus reimbursed us for the collision and repair and replace allowance. I am so thankful that we had that coverage and I’m even more thankful for the wonderful staff at Trey Siner Insurance. Thank you for helping me navigate through an unpleasant life event!

Julie V., customer since 2012

How to Prevent a Dryer Fire
by Erie Insurance on January 16, 2020

Laundry is part of life’s weekly grind. But did you know that dryers cause roughly 15,500 home structure fires, 29 deaths, 400 injuries and $192 million in direct property loss each year? What’s more, most dryer fires happen in the winter.

The most common cause of dryer fires is failure to do a thorough cleaning. Because a lint trap is not a foolproof method for catching all the fuzzy stuff from clothes, lint can gradually build up and catch fire in the heating element or exhaust duct.

Further compounding the problem is the fact that many people now install dryers outside of their basements. This typically results in dryer vent pipes being much longer. Those longer vent pipes have a greater likelihood of being twisted and turned to accommodate the structure of the home—and that creates spaces for lint to collect.

Kevin Sippy, an insurance adjuster in ERIE’s Wisconsin Branch, inspects about five dryer fires every year. One particularly bad one happened when a customer laundered an item containing a type of rubber not meant to be dried at a hot temperature. When she turned the dryer to high, the material combusted and caused a blaze that destroyed $44,000 worth of property.

In another instance, a customer suffered $200,000 of property damage from a fire that started after she took her laundry out of the dryer. That customer washed towels that had been soaked in a sizable amount of sanitizing solution. She then placed the towels, which still had traces of the sanitizing solution, in the dryer. When the towels dried, they ended up spontaneously combusting and causing a fire that burned through an entire floor.

“We literally had to gut the house,” says Sippy, who changed his own laundry habits after that fire. “Now, I never dry anything higher than the low setting—I’d rather take a little longer to dry my clothes than burn my house down.”


1. Clean out the lint. “It starts with cleaning out the lint filter every time you use the dryer.” says John Hall, Ph.D., division director of fire Analysis & Research for the National Fire Protection Association. He also advises clearing out the vent pipe to reduce the chance of fire and to maintain the efficiency of the dryer.

2. Install with care. Be sure to follow the manufacturer’s instructions when installing the vent pipe. Use a short, straight pipe that’s an adequate distance from the wall. By reducing the bends in the dryer vent pipe, it creates fewer opportunities for lint to gather. If you have to vent your dryer over a long distance, consider investing in a dryer vent fan. These automatic electric devices speed up airflow through the duct every time you turn on your dryer to keep things moving along. A dryer vent fan should be installed by a licensed electrician.

3. Clear out combustibles. Move any flammables like cleaning supplies far away from your dryer. Also regularly sweep out dust in the areas around and underneath your dryer.

4. Opt for a solid metal dryer duct. Research shows that flexible foil or plastic ducts can sag and lead to lint buildup at low points. Metal ducts of any variety don’t sag, and they’re more likely to contain any fires that would start.

5. Read tags. If the care label reads tumble dry low, don’t turn the dryer up to high. Also use caution with certain items like bath mats, padded bras and bibs—they may contain rubber that shouldn’t be exposed to hot temperatures.

6. Exercise extra caution with flammable liquids. Wash clothing stained with volatile chemicals more than once—and definitely opt to line dry over machine dry.

7. Use your clothes to diagnose problems. Clothes that no longer feel dry or that are extra hot to the touch after a normal dry cycle are a telltale sign that something’s wrong. Before doing the next load, check for a plugged vent and clean out any lint.

8. Don’t dry and dash. Turn off your dryer if you need to step out during the laundry cycle.

9.Give the outdoor vent a peek. Make sure that the outdoor vent flap isn’t covered by snow or debris.

17 Loves Worth Insuring

by Erie Insurance on February 8, 2017

Groundhog Day, Valentine’s Day, Presidents’ Day – February may be the shortest month of the year, but there is a lot going on.

You can also add Insure Your Love Month to that list. The nonprofit organization Life Happens creates and coordinates the campaign each year in recognition of the number one reason that people buy life insurance: Because they love someone and want to make sure they’d be financially protected if something unfortunate happened.

Be Proactive!

As you can see we are sharing a lot of information about changing water lines in last months issue and now dryer fires…why? Because they happen very often! Part of my job as your trusted insurance advisor is to do just that…educate you! As I sit here and write this to you on a Saturday morning (you know work never stops 😊) I am reminded of gutter cleaning or installing some type of gutter guard.

I do this the beginning of every year at my home and office. My back yard is full of trees and my gutters fill up fast as Fall approaches.  So I hire a company each winter to come and clean them out. This helps prevent what those in the industry call “gutter gardens”.  All kinds of debris can get caught in them and grow! When the gutters are blocked they obviously cannot perform as designed therefore can cause real damage to your home.

Water can back up or just sit there and rot out the soffit or facia over time, ice and water can back up and run under shingles causing water damage when there is no roof damage, the gutter can get real heavy and pull away from the home and more.

So Be Proactive!

  • Call a company to clean them out at least once a year
  • Install some type of gutter guard (they can be expensive so get several quotes and ask for discounts, they will negotiate)
  • Your local home improvement store may even have ideas of how to prevent gutter clogging

The key is to Be Aware and Be Proactive!  If you notice something get it fixed quickly this will allow you to have more peace in your home! And remember We’re Right Here Beside You!

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 January:

Terri Presutti, Paul Protheroe dba Prothero Company, Todd Ross, Hugh Haynie, Leslie Hicks, Adam Schlub, Brenda Schrodetzki, Brandon Shope, Domino Construction, Marc Dailey, Deborah Roe, Nicole Grasso, Bernadette Kiser, Larry Bost, Almond Home Builders Inc.


January Referral Winner: Almond Home Builders Inc.

Verse of the Month

Now to Him who is able to do exceedingly abundantly above all that we ask or think, according to the power that works in us, to Him be glory in the church by Christ Jesus to all generations, forever and ever. Amen.

Ephesians 3:20-21

Contact Us

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247 Church Street NE, Concord, NC 28025

(704) 795-6878