If an insurance claim cannot amicably be resolved through negotiation between the insurer and the

policyholder or a third$-$party claimant, subsequent litigation alleging that the insurer has mishandled the

claim may be based on the tort of

$($Search Chapter $1).$

a$.$ bad breath.

b$.$ bad faith.

c$.$ good intentions.

d$.$ unreasonable expectations.

Claudette is underwater on her home mortgage, and now part of the home itself is underwater due to a

flood. Assuming her homeowners policy would cover at least part of the damage, she submitted a claim. In

verifying coverage, Ira$-$the adjuster assigned to Claudette's claim$-$discovers that she had not purchased

flood insurance, and her claim is therefore not covered. Under the circumstances, Ira should

$($Search Chapter $1).$

a$.$ delay contacting Claudette so she has enough time to review her policy.

b$.$ explain to Claudette why her claim is being denied.

c$.$ suggest that Claudette now buy flood insurance with a retroactive date.

d$.$ sympathize with Claudette.