claim. c$.$ Ray Adjuster is doing everything by the book to process her claim, but Nina never returns his phone calls or responds to his emails. d$.$ Nina refuses to provide the documentation Ray Adjuster requested to support her claim and then accuses Ray of bad faith in delaying her payment. Nothing about the electrical fire that destroyed Ruth and Dolores Bloom's clock shop seemed especially unusual. In today's digital age, they say the conventional clock business has been slowing down, and the