The property is in Tennessee.
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 Tennessee, in a sentence
Tennessee has no statutory standard fire policy, so appraisal runs on your policy language. Tennessee courts hold that appraisal is not arbitration and that appraisers cannot decide whether a covered peril caused the damage.
The full Tennessee page