The property is in Maryland.
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 Maryland, in a sentence
Maryland has no statutory standard fire policy, so appraisal runs on your policy language. Maryland law voids most consumer insurance arbitration clauses but expressly preserves appraisal to determine the value of property, and Maryland courts have compelled it for decades.
The full Maryland page