The property is in Oregon.
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 Oregon, in a sentence
Oregon writes the appraisal clause into its fire policy statute, but the Oregon Supreme Court has read it narrowly to protect the right to a jury: an award binds only the party who demanded appraisal.
The full Oregon page