The property is in New York.
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 York, in a sentence
New York is where the 1943 standard fire policy, and the appraisal clause most states still use, comes from. The clause is written into Insurance Law § 3404 with a twenty-day, fifteen-day clock and a twenty-four-month suit limitation.
The full New York page