The property is in Washington.
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 Washington, in a sentence
Washington writes the standard fire policy into its administrative code and adds unfair-practice rules around appraisal: a carrier may not compel appraisal by offering substantially less than it owes, must make a good-faith effort to settle before invoking appraisal, and may use out-of-area appraisers only when necessary.
The full Washington page