Minn. Stat. § 65A.12: WAIVER OF RIGHT TO APPRAISAL.

Subdivision 1. Right to appraisal.

Any person who shall not, within 20 days after written request, appoint a qualified appraiser, as provided in the policy, shall at the election of the other party be deemed to have waived the right to appraisal, and, if it be the insurer, shall be liable to suit.

Subd. 2. Appraiser.

No person shall be a qualified appraiser who is not disinterested and willing to act.