The property is in Oklahoma.
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 Oklahoma, in a sentence
Oklahoma writes the standard fire policy into statute, so the appraisal clause is part of state law, but with a twist the Oklahoma Supreme Court added in 1992: the award binds the party who demanded appraisal and not the party who was compelled into it.
The full Oklahoma page