The property is in Texas.
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 Texas, in a sentence
Texas made appraisal a required policy provision in 2025. Insurance Code chapter 1813 requires every residential property policy issued or renewed from January 1, 2026 to contain an appraisal clause, limits it to the amount of loss, and makes the award binding except for fraud, accident, material mistake or lack of authority. The Department of Insurance is finalising rules that set the deadlines.
The full Texas page