The property is in California.
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 California, in a sentence
California writes the appraisal clause into its standard fire policy statute and treats appraisal as a form of arbitration. That gives California one rule no other state has: a strict one-hundred-day window to challenge an award in court.
The full California page