The property is in Arkansas.
Choose the state where the damaged property is, not where you are staying now. The state decides which rules apply.
We do not take claims in Minnesota.
Smaller states:
Appraisal in Arkansas, in a sentence
Arkansas is one of three states where appraisal cannot be forced on anyone. State law protects the right to a jury on any question of fact, and the Insurance Department requires policies to make appraisal voluntary and non-binding. It is still useful, but it is an agreement, not a demand.
The full Arkansas page