The property is in Pennsylvania.
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 Pennsylvania, in a sentence
Pennsylvania writes the standard fire policy into statute, so the appraisal clause is part of state law. The Pennsylvania Supreme Court has held that a carrier cannot simply refuse a statutory appraisal demand, and a policyholder can ask the court to compel it.
The full Pennsylvania page