If mold isn’t a listed exclusion in your homeowners insurance policy and the provider denies your claim, you can appeal the insurer’s decision. If you believe the insurer has treated you unfairly, you may also file a complaint with your state’s department of insurance or the Better Business Bureau. Unfortunately, if your home insurance policy lists mold damage as an exclusion, you’ll likely have no recourse if the insurer denies a mold damage claim.