The property is in Michigan.
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 Michigan, in a sentence
Michigan writes the appraisal clause into its mandatory fire policy provisions and is one of two states that pause the suit clock by statute: the time to sue is tolled from your notice of loss until the carrier formally denies liability.
The full Michigan page