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RALEIGH – The North Carolina Department of Insurance raised its emergency preparation level to a three, which meant employees are on a higher level of alert to help out with the approaching storm.

There are some steps homeowners can also take to protect themselves from the storm. It is a wise idea to remove loose objects from your yard and take an inventory on your belongings by making a list or taking pictures and gathering important paperwork.

Make sure you know exactly what your insurance policy does and does not cover and remember no homeowner's insurance policy covers flooding.

“That's important exclusions to be aware of with the flood insurance program, which is through the national government. You can call in or through your agent you can purchase that type of insurance,” said Wayne Goodwin, commissioner of the N.C. Department of Insurance.

Following the storm, Goodwin said you should take the following measures: if you have damage, contact your agent or insurance company as soon as possible, photograph and make a list of any of the damage and do not make permanent repairs until you speak to your insurance agents.

If you have any questions or concerns you're encouraged to call the North Carolina Department of Insurance toll free at 1-(800)-546-5664.