The property is in New Jersey.
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 New Jersey, in a sentence
New Jersey writes the standard fire policy into statute, so the appraisal clause is part of state law. New Jersey courts give an award every reasonable presumption but will set one aside where the appraisers applied the wrong measure of value.
The full New Jersey page