The property is in Kentucky.
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 Kentucky, in a sentence
Kentucky has no statutory standard fire policy, so appraisal runs on your policy language and the common clock. Kentucky treats appraisal as a contractual step and enforces it as written.
The full Kentucky page