The property is in Kansas.
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 Kansas, in a sentence
Kansas has no standard fire policy statute, and its appraisal law has an unusual history. In 1997 the Kansas Supreme Court held a binding appraisal clause unenforceable as a prohibited form of insurance arbitration. The statute it relied on was repealed in 2018, and courts have been appointing umpires since, but no appellate court has yet confirmed the clause is enforceable.
The full Kansas page