The property is in Hawaii.
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 Hawaii, in a sentence
Hawaii adopts the New York standard fire policy by statute, so the appraisal clause is part of state law. Hawaii courts will compel a carrier that refuses to name an appraiser, and they review awards under the arbitration act, which means an award that strays into coverage can be vacated.
The full Hawaii page