The property is in Florida.
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 Florida, in a sentence
Florida relies on the policy form for the appraisal clause, but wraps it in more statute than almost any other state. Residential policyholders are entitled to a state-run mediation offer before appraisal, and Florida law spells out when an umpire can be disqualified for a conflict.
The full Florida page