The property is in North Carolina.
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 North Carolina, in a sentence
North Carolina writes the standard fire policy into statute, and a property appraisal award in North Carolina is binding once filed. The fifteen-day right to reject an award that people sometimes cite applies only to auto physical damage.
The full North Carolina page