The property is in Illinois.
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 Illinois, in a sentence
Illinois writes the standard fire policy into its administrative code, so the appraisal clause is required in Illinois fire and homeowners policies. A 2025 appellate decision confirmed that appraisers can decide the scope of the damage, which necessarily includes some questions of what caused it.
The full Illinois page